Search found 453 matches

by BogleBoogie
Sat Oct 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 13
Views: 2325

Re: When one reaches the 1 million mark what to do with all the money?

What changed between the $999,900 mark and 1 million that would cause any change to your plan?
by BogleBoogie
Sat Oct 21, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 18
Views: 777

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Have you ever driven the 6 cylinder Toyota Camry? It has a lot more top end speed than the 4 cylinder.
by BogleBoogie
Sat Oct 21, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 38
Views: 2838

Re: Worry market crush, selling 50%, but increase buying 100%

ThePrince wrote:
Fri Oct 20, 2017 11:16 pm
WhiteMaxima wrote:
Fri Oct 20, 2017 2:49 pm
I am staying neutral now: 50/50. I don't call it timing. I see risk ahead.
You are timing the market—end of story.
"This time it is different" (there is risk ahead)
by BogleBoogie
Sat Oct 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 38
Views: 2838

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. Please keep me...
by BogleBoogie
Fri Oct 20, 2017 1:31 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5235

Re: Is a crash coming soon?

Nate79 wrote:
Fri Oct 20, 2017 12:07 am
CULater wrote:
Thu Oct 19, 2017 7:44 pm
I just decided today that my risk tolerance is 10% lower than it was yesterday --- so I reduced my stock allocation accordingly. :?
Why?
Good question. What life circumstances changed that reduced your need or ability to take risk?
by BogleBoogie
Fri Oct 20, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5235

Re: Is a crash coming soon?

"Nobody knows nothing." -Jack Bogle

(Also, no one on this forum knows when/if a crash is coming)
by BogleBoogie
Fri Oct 20, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25815

Re: Sitting on cash....Waiting for a crash

After scanning this thread, I see lot's of contrarian comments from people who are 100% in stocks or close to it. That is just as bad as the OP's strategy in my book. Why is it just as bad? 100% stocks is a course that some choose who have the willingness and ability to take on that type of risk (I...
by BogleBoogie
Thu Oct 19, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 21
Views: 1502

Re: 1st Time Cruise - Princess and wifi

johnubc wrote:
Wed Oct 18, 2017 7:30 pm
If you are going on a Cruise - I would assume a vacation - make a vacation out of it - and ditch the WiFi - you will be much happier without it.
Was thinking the same thing and am about to do the same thing!
by BogleBoogie
Thu Oct 19, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25815

Re: Sitting on cash....Waiting for a crash

Is there any Bogleheads out there that has decided to hold onto cash right now since valuations are so high and interest rates are so low? I know that the 'Bogle' answer is to stay the course and just keep eating my allocation plan for breakfast. But it just feels so foolish right now to put money ...
by BogleBoogie
Tue Oct 10, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance...again (15y at 3.25% going to 2.875%)?
Replies: 11
Views: 1351

Re: Should I refinance...again (15y at 3.25% going to 2.875%)?

The rule I've been told by several loan agents, is it isn't worth a refi unless you can drop your interest rate 1/2 a percentage point or more. Of course if you are looking at changing a loan term that is another story. I don't know how applicable this rule of thumb is, but passing it along neverthe...
by BogleBoogie
Sat Oct 07, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7038

Re: Tips on Uber

Just tip, don't be a tightwad, these people barely make enough to justify what their doing. Saying the app doesn't allow it, is just a copout, just hand them a five, at least their trying to make ends meet by working. People remind me of some relatives, they have boat loads of money but like to pre...
by BogleBoogie
Fri Oct 06, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11135

Re: Millionaire Next Door (Thank you Bogleheads)

I love this sort of story. I read that book many years ago (Millionaire Next Door), and it's always great to hear about someone who has successfully accomplished what the book describes (since, as you know from the book, you wouldn't otherwise be able to tell just by judging how someone looks or wh...
by BogleBoogie
Wed Oct 04, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 988

Re: Question on Bond Portion of AA

hacker258 wrote:
Mon Oct 02, 2017 9:12 am
I agree with the last post - 3.4% is almost too good to be true. My stabel value yields about 2% NET OF .75% EXPENSES. Are you sure 3.4 is net?
Yes, I am sure. Triple checked!
by BogleBoogie
Tue Oct 03, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3951

Re: Should I get a New Macbook Pro?

I'm posting this on a 2008 Macbook. The upside to Mac (IMO) is they seem to last a long time. I have had a new hard drive installed which was about $80 and really sped this laptop up. I'm on my 3rd battery. I had to replace it with a cheap $22 non-Apple product on eBay. I think you can certainly jus...
by BogleBoogie
Mon Oct 02, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: loosening the purse strings a bit at 37?
Replies: 30
Views: 3903

Re: loosening the purse strings a bit at 37?

I'm in a similar financial situation and family in terms of ages. It sounds like you have a struck a great balance where you are enjoying your time and some of your money in the NOW, versus delaying all gratification. One thing that helps me stay on track is I envision having that extra money when I...
by BogleBoogie
Mon Oct 02, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6050

Re: Are credit cards rewards worth it?

I charge everything on my credit card for the 2% cash back (citi double cash). I also like seeing how much I spent each month. I PAY MY BALANCE IN FULL EVERY MONTH. But I hate seeing that I owe. Id rather use my debt card. Is the 2% cash back worth it. Do you use debt or credit and if credit what r...
by BogleBoogie
Sun Oct 01, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 988

Re: Question on Bond Portion of AA

Dude2 wrote:
Sun Oct 01, 2017 8:41 am
What about half stable value and half to a fund that is mapped to the Aggregate Bond Index? Best of both worlds.
Thanks for the suggestion. This is what I was leaning towards, but wanted to make sure there wasn't something I am missing. :sharebeer
by BogleBoogie
Sun Oct 01, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 988

Question on Bond Portion of AA

Quick question on stable value fund versus bond index fund. My employer is going to soon allow me access to a stable value fund that has a 3.40% return. I understand bonds and know that sometimes they do better than this and sometimes worse. I am very open to opinions on if I should put my conservat...
by BogleBoogie
Sat Sep 30, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2688

Re: Caught by speed camera

Today as I was going through my mail, I was greeted with a $100 speeding ticket along with a picture of the back of my car and license plate. I was in East Liverpool, Ohio going to a High School football game and was traveling 62 in a 50. It was definitely me and I'm not denying it, I'm just asking...
by BogleBoogie
Sat Sep 23, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3658

Re: Luxury Car Purchase

I'm trying to figure out why I just read every comment on this thread. While I'm trying to figure that out, my advice is buy the car - especially after that tape measure comment.
by BogleBoogie
Mon Sep 18, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4220

Re: Buying nightguards (teeth grinding)

Strange you should mention that. I took a flyer on these: https://www.amazon.com/gp/product/B01JNH3XFO/ref=oh_aui_detailpage_o00_s00?ie=UTF8&psc=1 and found that they are bulky and uncomfortable to the point of being useless. I had no problem doing the processing to get them to fit. It is clear tha...
by BogleBoogie
Sun Sep 17, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: "36 Obvious Investment Truths"
Replies: 18
Views: 2726

Re: "36 Obvious Investment Truths"

VictoriaF wrote:
Wed Sep 06, 2017 3:15 pm
TheHouse7 wrote:
Wed Sep 06, 2017 1:29 pm
33. You are not Warren Buffett.

:oops:
There is at least one example that falsifies this assertion.

Victoria
Haha nice! Thank you for that made me smile this morning. :sharebeer
by BogleBoogie
Thu Sep 14, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8050

Re: Do you pay for yardwork?

I personally do not enjoy yard work. Our lot is relatively small (10,000 square foot lot). We live in a somewhat HCOL so it costs us $50/month for the gardeners to come twice a month. I find the trade off for my time and hassle well worth the money. I have friends who enjoy doing their yard work - I...
by BogleBoogie
Tue Sep 12, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3363

Re: Keep or let go of my car?

Here is the final outcome of all of this from an indep mechanic. Oil change $71.95 Replaced front lower forward control arms Labor 405 Parts 425 Total $831 Alignment $90 Replaced brakes/rotors Labor 180 Parts 375 Total $553 (bc they said when BMW replaced the brakes under my extended maintenance pl...
by BogleBoogie
Tue Sep 12, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3363

Re: Keep or let go of my car?

I don't think comparing the value of a car to the cost of repairs is always the best way to look at it. What would the repairs get you? If the car's falling apart and every 10k miles is going to be a couple thousand in repairs, sure it's time to replace the car. But, if $5k of repairs makes it good...
by BogleBoogie
Tue Sep 12, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10690

Re: The 10 year car ownership "rule"

I just had to make decisions on cars we have own that are turning 10 and 9 years old. It is so subjective that you won't find the answer here, but many good points. What it came down for me, personally, was I realized I am really happy with both of our vehicles in terms of comfort and safety. Both h...
by BogleBoogie
Mon Sep 04, 2017 11:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058258

Re: Re:

I put in an order to sell some of my bond fund today and purchase a little of my stock index. Would that still go through after hours if trading was halted? Ofcmetz: You may want to wait on selling bonds to buy stock index. I believe the market will continue to decline. I hope this reaches you in t...
by BogleBoogie
Sun Sep 03, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Question about pension and risk
Replies: 36
Views: 2208

Re: Question about pension and risk

Sounds like you have "won the game." In that regard, my personal advice would be not to take on additional [unnecessary] risk. I believe I will be in the same boat as you in a decade or 2. I have a very generous and secure pension and a good chunk of 401k building up. My plan is to be conservative....
by BogleBoogie
Sun Sep 03, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058258

Re: Re:

I put in an order to sell some of my bond fund today and purchase a little of my stock index. Would that still go through after hours if trading was halted? Ofcmetz: You may want to wait on selling bonds to buy stock index. I believe the market will continue to decline. I hope this reaches you in t...
by BogleBoogie
Sun Sep 03, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Question about pension and risk
Replies: 36
Views: 2208

Re: Question about pension and risk

Sounds like you have "won the game." In that regard, my personal advice would be not to take on additional [unnecessary] risk. I believe I will be in the same boat as you in a decade or 2. I have a very generous and secure pension and a good chunk of 401k building up. My plan is to be conservative. ...
by BogleBoogie
Fri Sep 01, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058258

Re:

I put in an order to sell some of my bond fund today and purchase a little of my stock index. Would that still go through after hours if trading was halted? Ofcmetz: You may want to wait on selling bonds to buy stock index. I believe the market will continue to decline. I hope this reaches you in t...
by BogleBoogie
Tue Aug 29, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5278

Re: USAA opinions. Worth it?

Current PGY-3 resident and just found out that I am eligible for USAA due to family in the military. I have yet to compare prices for insurance or any of the other services, but I was wondering what experiences people have had with them in the past? -How are their auto or homeowner's insurance rate...
by BogleBoogie
Mon Aug 28, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Fear of Stock Market - Is it smart to be cautious?
Replies: 39
Views: 3444

Re: Fear of Stock Market - Is it smart to be cautious?

We've been advised in the past to start investing more in a brokerage account. But, for some reason, we're just really scared to pull the trigger. I have this fear that the market is just overvalued right now and might be headed for a correction. Is this a justifiable concern? Should I just go for ...
by BogleBoogie
Thu Aug 17, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058258

Re: U.S. stocks in freefall

. The market declined about 1% and you are feeling lucky because you sold a few weeks ago? What I was referring to was the title of this thread. I know we're all just being goofy for the most part, but my point was made in reference to IF the market continues to decline. I fully realize that a one ...
by BogleBoogie
Thu Aug 17, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058258

Re: U.S. stocks in freefall

I personally am hoping for a nice big correction. I have a lot of buying to do. I'm also happy that a couple weeks ago I decided to sell some shares in my taxable account to pay off some debt. Ended up being good luck I guess. We'll see though. The market declined about 1% and you are feeling lucky...
by BogleBoogie
Sat Aug 12, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 28
Views: 2629

Re: Another Repair or Replace Car Thread

bjc3 wrote:
Mon Oct 31, 2016 3:53 pm
psteinx wrote:~15-16 year old car, about to cross the 200K mile mark. Various recent repairs, and more contemplated in near future. If you can afford a new car or newer used car, replacement sounds like a reasonable path.
+1
I hope you sold this car.
by BogleBoogie
Sat Aug 12, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Mazda 3 new for $15k?
Replies: 25
Views: 3210

Re: Buying a 2017 Mazda 3 new for $15k?

Well the 2K cash back and 0% APR + 1k APR cash are mutually exclusive. While I could in theory make 1500+ by doing the 1k cash back and putting the money into a 5-year CD, I'd have $1000 less taken off the price in today's dollars and the hassle of dealing with a loan for 5 years (plus a small loan...
by BogleBoogie
Fri Aug 11, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Re: Should I Buy a New Car?

Thank you again for all the wisdom. I rarely ask questions on here but when I do, I'm never disappointed. I ended up keeping my Toyota and will put a decent amount in for the maintenance with the hope that it will go another 100K. What helped me aside from the financial points was someone pointing a...
by BogleBoogie
Thu Aug 10, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: General Portfolio Advice and 529 recommendation
Replies: 9
Views: 542

Re: General Portfolio Advice and 529 recommendation

Sounds like you are doing really well in general! As for 529, I set an account up for each of my kids and chose the target date. I found this easier to put on cruise control than try to balance another AA. I don't see how you can go wrong with that. We chose to use Vanguard CA 529.
by BogleBoogie
Tue Aug 08, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 39
Views: 4479

Re: Love your family car? Under $16,000 Used? Please share!

I have been looking at new cars lately. Will likely keep my current car and forgo the purchase of a new one. Having said that, I found that the local Kia dealership has 2016 Optimas (yes, 2016) with no miles and 0% financing for $17,500. I haven't owned a Kia before but from my research, they seem g...
by BogleBoogie
Tue Aug 08, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Re: Should I Buy a New Car?

With no special conditions, I'd keep the Camry all the way; pay your $400-$1000 annually in regular maintenance to keep it running, and burn up those miles on an old reliable car. Special conditions: A) it's had a lot of repairs or B) you need to stay in a newer car due to an image requirement with...
by BogleBoogie
Tue Aug 08, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Re: Should I Buy a New Car?

Toons wrote:Get a New Civic,,,
If You can afford it.
We just purchased a Civic Hatchback,,,
Well thought out machine,with loads of techology packed in. :happy
Did you get the 2.0 or the 1.5 Turbo?
by BogleBoogie
Mon Aug 07, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Re: Should I Buy a New Car?

Not a problem. I might as well mention that my 2012 Honda CR-V is approaching 60k miles. That's less than your 2010 Camry at 95k miles, but my point is that my car is in good condition and I have no qualms about keeping it another 5 years. Unless you really want a new car, then I'd say to keep it. ...
by BogleBoogie
Mon Aug 07, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Re: Should I Buy a New Car?

Thank you all for the quick, thoughtful responses.
by BogleBoogie
Mon Aug 07, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Re: Should I Buy a New Car?

LadyGeek wrote:This thread is now in the Personal Consumer Issues forum (car).
Thank you and sorry!
by BogleBoogie
Mon Aug 07, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3116

Should I Buy a New Car?

I have a 2010 Toyota Camry V6 with 95K miles. It needs new brakes, the 100k tune up (timing belt, etc.) and new tires. My estimate for costs for these things where I reside is about $1700-2000. I primarily use this vehicle to commute to work daily. I drive about 80 miles a day. The MPG I get with th...
by BogleBoogie
Sat Aug 05, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5592

Re: does solar increase the value of a house

I purchased a house that had solar panels installed by previous owner. Panels were all paid off. It was one of the many reason I bought this house. Solar panels are south facing and somewhat discrete on the roof. Requiring no maintenance. I am pleased how minimal my overall electricity bill is. I w...
by BogleBoogie
Tue Jul 25, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33925

Re: John Bogle Has Been Right About Investing In International Stocks

I keep checking back on this thread. I find the emotionally charged responses entertaining. So much overthinking going on here in regards to the OP's post (well done :D ).