Search found 242 matches

by 2b2
Sat Jan 13, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 23
Views: 1862

Re: Renting in NYC for a new college grad. Best practices?

Your questions are probably best answered by a rental real estate agent in NYC.
Search for:
Corcoran
Douglas Elliman
Citihabitats
...to get you started.

Welcome to New York!

2b2
by 2b2
Sat Jan 13, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Whole Life Insurance
Replies: 15
Views: 1011

Re: Getting out of Whole Life Insurance

I wouldn't consider the 190K a "loss". If you do, then fine.
But you'd also have to then realize that after 2 years of saving the 96K annual premium, you'd be about "even"...and getting further "ahead" every year that you don't pay that premium.

2b2
by 2b2
Fri Jan 05, 2018 4:44 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5701

Re: Misuse of adverse

I was excited when I started reading this string until I realized their was no they're their.
by 2b2
Mon Dec 25, 2017 8:32 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8150

Re: My Christmas Present to You

Taylor,

Thank you for your gift and for your service.

2b2
by 2b2
Sun Dec 10, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 4180

Re: Buying index funds is just as speculative as buying Bitcoin

If I buy Dutch tulips with Bitcoin, will it cause a rupture in space-time?

2b2
by 2b2
Thu Nov 16, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4243
Views: 1143820

Re: U.S. stocks in freefall

Equity Risk Premium
If you want the Premium, you have to accept the Risk.
No way around it.

2b2
by 2b2
Wed Nov 01, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: The Ulcer Index
Replies: 12
Views: 1273

Re: The Ulcer Index

nisiprius wrote:
Wed Nov 01, 2017 12:53 pm
"Ulcers?" Seriously?

I think it's been several decades since people believed that ulcers are caused by the anxiety of having to make difficult executive decisions. Nowadays they seem to think it's Helicobacter pylori.
Nisiprius,

Can you provide the ticker symbol for that?

2b2
by 2b2
Wed Oct 25, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4243
Views: 1143820

Re: U.S. stocks in freefall

The casino guy has a positive "desired" return.
The investor guy has a positive "expected" return.

Very different animals.

2b2
by 2b2
Sun Oct 22, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4728

Re: Experian Dark Web scan

Interesting article.
Thanks, Joe.

2b2
by 2b2
Sat Oct 21, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club
Replies: 8
Views: 1624

Re: 2 comma club

<clink>

2b2
by 2b2
Fri Oct 06, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 58202

Re: Retirement Account Stolen by Identity theft

My suggestion may meet with some resistance but here's something I do.
Check accounts every day. If you see a notation "pending transaction" on a holding, and you didn't request a transaction....well.....

2b2
by 2b2
Thu Oct 05, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11945

Re: Millionaire Next Door (Thank you Bogleheads)

Well done!
Congratulations to you and here's to your Mom!

2b2
by 2b2
Sat Sep 23, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Please help physician newbie to investing with intention
Replies: 10
Views: 1367

Re: Please help physician newbie to investing with intention

Welcome to the forum.

Click this link to begin your financial education: https://www.bogleheads.org/wiki/Getting_started

2b2
by 2b2
Tue Sep 12, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you bull market!
Replies: 6
Views: 2178

Re: Thank you bull market!

Congratulations!
Well done!
by 2b2
Sat Aug 12, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 17086

Re: How far would you travel to see The Eclipse?

munemaker - you're so vain.

2b2
by 2b2
Fri Jul 07, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriately handling a transfer to Vanguard
Replies: 16
Views: 1192

Re: Appropriately handling a transfer to Vanguard

In my opinion, this individual's behavior leaves no doubt that you made the right decision.

2b2
by 2b2
Wed Jul 05, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Two comma club - thank you
Replies: 16
Views: 4801

Re: Two comma club - thank you

Nice!!!

2b2
by 2b2
Mon Jun 26, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Simplicity At Last
Replies: 7
Views: 1459

Re: Simplicity At Last

Well done!! :D

2b2
by 2b2
Fri Jun 02, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: I hit my first $100k today in my 401k!!
Replies: 34
Views: 4934

Re: I hit my first $100k today in my 401k!!

Well done!
Congratulations!!

2b2
by 2b2
Thu Jun 01, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market? :Bonds in rising interest rate environment
Replies: 22
Views: 2589

Re: Timing the market? :Bonds in rising interest rate environment

"the shoals of despair"

I like that! An apt nautical metaphor

2b2
by 2b2
Fri May 12, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10992

Re: Retirees, what is your marginal tax rate?

Retired 9 years ago.
Spouse works full time.
I'm with Gordon - don't know and don't care.

2b2
by 2b2
Sun May 07, 2017 9:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 4926

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

Happy Birthday, Mr. Bogle.

Thank you for putting your customers first!

2b2
by 2b2
Sun May 07, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Really need some advice for a 401k rollover after forced retirement
Replies: 21
Views: 1794

Re: Really need some advice for a 401k rollover after forced retirement

The Raymond James advisor cannot predict the future return of any portfolio. Nobody can. He is blowing smoke. The portfolio he suggested is, however, reasonable. He may have meant that the proposed allocations would have returned 5.35% over some specified period in the past. Read the wiki, read some...
by 2b2
Tue May 02, 2017 12:50 am
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 4234

Re: I'm kinda sorta in the 2-comma club

Congratulations!
You are not cheating by not including anticipated taxes (imo).

Well done!!

2b2
by 2b2
Fri Apr 28, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a side business
Replies: 15
Views: 1068

Re: Starting a side business

I would suggest you ask an accountant the write-off question.
You don't wanna get Uncle Sam's knickers in a twist.

2b2
by 2b2
Fri Apr 28, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Breath of Fresh Air - Leaving Ameriprise
Replies: 14
Views: 1578

Re: Breath of Fresh Air - Leaving Ameriprise

Congratulations!

You have done a fairly difficult thing, but one that will pay huge rewards.

Welcome!!

2b2
by 2b2
Fri Apr 21, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45191

Re: Larry Swedroe says "Goodby."

I'd like to add my thanks to that of all the others.

Larry, you provided much help and valuable information.

2b2
by 2b2
Sun Apr 09, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone reached.
Replies: 14
Views: 2695

Re: Milestone reached.

Very well done!
Heck of a milestone!!

2b2
by 2b2
Sat Apr 01, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Edward jones to vanguard?
Replies: 19
Views: 2666

Re: Edward jones to vanguard?

My guess is that you will find it easier than you anticipate - I certainly did. I only have experience with Vanguard, but am completely satisfied. They took care of everything except my signatures.

Getting out from under onerous fees is a very smart move.

2b2
by 2b2
Fri Mar 17, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 4338

Re: How do you cope with regret over selling too soon?

I'm a big believer that the "if only" mode of thinking is not helpful. Looking into the past and cherry picking a single event to change offers no value at all. Suppose, for example, you were able to go back and change the fact that you sold the stock too soon. Would that cause your backstory to the...
by 2b2
Wed Mar 15, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle portfolio while living off investments?
Replies: 11
Views: 1377

Re: How to handle portfolio while living off investments?

If one can come to see volatility as a friend as well as an enemy, one may find it is less important to "tame" it.

If, on the other hand, that downward (or upward) volatility causes one to abandon an otherwise reasonable investment plan then one should reduce that volatility.

2b2
by 2b2
Fri Mar 10, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: When is tax due on IRA distribution?
Replies: 14
Views: 1107

Re: When is tax due on IRA distribution?

VtMaps For some years now (since I retired) I have been taking IRA distributions each month for living expenses. I have set the with holding rate to zero for those distributions. Each December, I estimate my tax liability for these distributions and order a single distribution for the total amount o...
by 2b2
Tue Mar 07, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3408

Re: Small (but Significant) Milestone

Very well done!
...and Emerald City real estate is on a tear! Something to do with The Wizard?

Keep it up!!
-2b2
by 2b2
Wed Feb 22, 2017 1:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 2238

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

I echo the thanks to the generous individual or family who donated the heart. Absent their generosity, things might have been very different for many people.
by 2b2
Wed Feb 22, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 9237

Re: New Boglehead Millionaire

Well done! :sharebeer
by 2b2
Wed Feb 15, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 6782

Re: Stock Market Fears

Do the old rules still apply today?

Without question.
Unless, of course a Boston economist thinks otherwise.

2b2
by 2b2
Fri Feb 10, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 5329

Re: When to invest- fear of crash

OP,

While you may not be a "proponent" of market timing, you seem to be a practitioner. You may want to examine this.

2b2
by 2b2
Sat Feb 04, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Declined with 800 FICO Score?
Replies: 33
Views: 3445

Re: Declined with 800 FICO Score?

Is it possible that you have frozen access to your credit files? I only ask because I did that very thing.
Froze access then applied for a dept store cc.
I didn't get the cc but decided it wasn't worth the un-freeze.
2b2
by 2b2
Thu Feb 02, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 4574

Re: How much will i need to retire in my apartment in nyc?

In my building, real estate taxes and the interest on the underlying building mortgage account for roughly 50% of the monthly maintenance. Manhattan real estate tax has risen by about 50% over the last 5 years and is expected (by our building's management) to increase by another 50% over the next fi...
by 2b2
Mon Jan 16, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: newly acquired portfolio feedback
Replies: 19
Views: 2284

Re: newly acquired portfolio feedback

I agree that 95/5 is a bit aggressive and could be difficult to stay with in a steep stock decline. See this link for Vanguard's data on different returns based on different asset allocation selections. You'll have to interpolate a bit to visualize your 95/5, but it may be worth the effort. http://t...
by 2b2
Tue Jan 10, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 21571

Re: How Bad was 2008, really?

Like Bogel0048, I retired in June of 2008.
As the meltdown accelerated, I would climb up on my roof each morning and shout:

"PEOPLE, PEOPLE, PEOPLE!!!! IF YOU WOULD ALL KINDLY STOP SELLING STOCKS, PRICES WILL STABILIZE!"

It finally worked.

2b2
by 2b2
Fri Dec 09, 2016 10:28 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to wait for a dip to buy VTSAX?
Replies: 18
Views: 2346

Re: Does it make sense to wait for a dip to buy VTSAX?

...and speaking of horizons, investors should keep their eyes off their shoes and focus them on the horizon.

2b2
by 2b2
Wed Nov 30, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth now = $0!!
Replies: 30
Views: 6819

Re: Net Worth now = $0!!

Very well done!
The Positive Net Worth World is a much nicer place to be.

2b2
by 2b2
Tue Nov 29, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 15638

Re: Paul Merriman challenges John Bogle

It has been noted that many (most?) investors under perform the funds they are invested in by about 2% per year. This is, of course, a result of moving in and out of those funds due to volatility. Can one imagine the average under performance associated with a 100% equity allocation to small caps? 2b2
by 2b2
Sat Nov 26, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund question
Replies: 4
Views: 747

Re: Bond fund question

caaad,

Try to just ride the wave. If you duck in and out you will almost certainly be caught by surprise.

2b2
by 2b2
Sat Nov 19, 2016 9:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 4350

Re: Valuethinker has surpassed 30,000 posts

Thank you, Valuethinker.
You have helped many on the board - including me.

2b2