Search found 634 matches

by Clever_Username
Sun Feb 19, 2017 2:57 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2398
Views: 602347

Re: What Movie Have You Recently Watched?

Saw The Great Wall today. It reminded me of a series of fantasy that I really enjoyed when I was younger, some of which were written by John Wick (not the Keanu Reeves character, whose sequel I have yet to see). I really enjoyed it a lot more than I thought I would (I expected it to be fun and for t...
by Clever_Username
Fri Feb 17, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need an agent to buy a home?
Replies: 18
Views: 1167

Re: Do we need an agent to buy a home?

No idea. Didn't use an agent when I bought my condo over ten years ago. Didn't do tremendous amounts of shopping for it either. Am selling it (used agent) and am going to be buying my first house soon. I will almost certainly use an agent.
by Clever_Username
Sun Feb 12, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Putting entire 401(k) balance in a single fund
Replies: 14
Views: 1619

Re: Putting entire 401(k) balance in a single fund

What fraction of your total retirement money is this? That's a bigger deal: a new 401(k) when you have tons in IRAs is fine -- view your asset allocation across multiple accounts.

Since in your case you get your target asset allocation via IRAs, I'd say this plan is fine.
by Clever_Username
Sun Feb 12, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 2996

Re: Which 25X is it?

nisiprius wrote:In short, it seems to me that the performance of the retirement portfolio going forward is one the smaller sources of uncertainty in retirement finance.


I hadn't thought of it in those terms, and I'm not sure if I should be comforted by this or terrified.
by Clever_Username
Sat Feb 11, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bonds as savings account?
Replies: 11
Views: 1047

Re: Bonds as savings account?

The important thing is to have an emergency plan . With that in mind, the idea you need to keep the money you'd go to first in an emergency in a savings account or a money market fund is a little misguided (full disclosure: I've never encountered such an emergency, and my only adult period of unempl...
by Clever_Username
Sat Feb 11, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2556

Re: How do Bogleheads buy phones?

I just bought a new Samsung Galaxy S6 Active (not refurbished) on Amazon for $300. The new Galaxy's cost around $650-700, and upgrading through AT&T would have cost 30 installments of $23.17 ($695). I will gladly take last year's model, brand new, for about half the cost. I took it to the AT&am...
by Clever_Username
Sun Feb 05, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3739

Re: mattresses and alcohol (bourbon, scotch, whiskey)

Do I buy a bourbon for $35 at regular strength? Or do I buy a cask strength version for $50 and just use a little more ice? Am I the only one that tries to estimate the cost per serving and equate it to a $35 case of beer? I'd like your thoughts. :beer My approach has been to buy $50-$70 bottles of...
by Clever_Username
Sat Feb 04, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Starting roth - 65%stock/35%bonds too conservative @ 28years old?
Replies: 14
Views: 1380

Re: Starting roth - 65%stock/35%bonds too conservative @ 28years old?

My memory of the '08 crash has been the cause of my hesitation. I've never heard anyone who was ~19-20 at the time of a market crash use that as an explanation for being conservative. I was in college at that age with no money invested at all. :| I was in college at the time and had very little inv...
by Clever_Username
Fri Feb 03, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Where to Park Emergency Fund to protect against inflation
Replies: 32
Views: 3615

Re: Where to Park Emergency Fund to protect against inflation

Another vote for Series I Bonds. Treasury Direct isn't the greatest interface, but you'll probably only interact with it every now and then. Not like a daily thing. I have maxed them out the last three years and plan to do so again this year (delaying due to wanting to stay in cash for a home purcha...
by Clever_Username
Thu Feb 02, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 5352

Re: Milestone and gotta tell someone

Congratulations on your accomplishment!
by Clever_Username
Tue Jan 31, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my house?
Replies: 23
Views: 2571

Re: Should I pay off my house?

At that little left, your mortgage payments are probably either very small or mostly paying down the loan (very little interest). Can you set the bill to auto-pay and not worry about it instead? Your interest rate is on the border of where I'd look into paying it down if it were me, but with such a ...
by Clever_Username
Tue Jan 31, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: final review of 2016 sure things
Replies: 9
Views: 1580

Re: final review of 2016 sure things

I love reading these articles. Fantastic as always.
by Clever_Username
Sat Jan 28, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3812

Re: Humble brag finally got admiral shares in taxable account

Does anybody remember when admiral shares required $50,000 and* 10 years tenure? I was almost disappointed I made admiral because Vanguard changed the rules rather than through diligent savings. * Or possible or, I can't remember either. I didn't know the $50,000 threshold used to be common. I thin...
by Clever_Username
Sat Jan 28, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3812

Re: Humble brag finally got admiral shares in taxable account

Does anybody remember when admiral shares required $50,000 and* 10 years tenure? I was almost disappointed I made admiral because Vanguard changed the rules rather than through diligent savings. * Or possible or, I can't remember either. I didn't know the $50,000 threshold used to be common. I thin...
by Clever_Username
Fri Jan 27, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5167

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

I think the perps are taught to charge a small amount for these courses to make them appear more legitimate. One is probably better off going to a Plate Licker session in a local restaurant. Plus it begins the sunk costs early, so you're less likely to leave, or are inclined to buy the book (so as ...
by Clever_Username
Fri Jan 27, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3812

Re: Humble brag finally got admiral shares in taxable account

Whoo! Well done and congratulations on the milestone.
by Clever_Username
Fri Jan 27, 2017 2:28 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5167

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

This must be one of those psychology of sleep classes because the correct answer is "in your dreams."
by Clever_Username
Thu Jan 26, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: what to do if you don't want bonds
Replies: 23
Views: 2363

Re: what to do if you don't want bonds

Expecting interest rates to rise, I do not want to invest in bonds. What would you do in my position? I'd still get bonds. It's not like they're going to go from current rates to 6% overnight. And if you plan to hold for the duration of intermediate-term bonds (and it sounds like you do), the sligh...
by Clever_Username
Sat Jan 21, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete for Independent Contractor
Replies: 19
Views: 1536

Re: Non-compete for Independent Contractor

The agreement is between the employee and their old employer so I don't know where your wife's company would fit in a lawsuit but I have seen things like someone has a spouse or kid that is a lawyer that will basically sue you for free while you have to pay a lawyer to defend the lawsuit. You might...
by Clever_Username
Sat Jan 21, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete for Independent Contractor
Replies: 19
Views: 1536

Re: Non-compete for Independent Contractor

as written. It seems like this is an excessively rigorous agreement (essentially would all but mean she couldn't practice her trade in this city!), and wondered if the courts had ruled on the validity of these types of agreement, especially for someone who is not a full-time employee but an indepen...
by Clever_Username
Sat Jan 21, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 54178

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Well, I'm a little behind and just saw this, so here goes. ⋅ Driving a luxury automobile -- no, got my old Mazda 3. Passed 110,000 miles last night. Aim to get to 150,000 or until maintenance becomes more of a burden than a new one would cost (relatively, I haven't figured out exactly what...
by Clever_Username
Thu Jan 19, 2017 9:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 10574

Re: Bogleheads Los Angeles meetings

I can be up for it.
by Clever_Username
Tue Jan 17, 2017 1:26 am
Forum: Investing - Help with Personal Investments
Topic: Friend is accidentally in Roth phase-out
Replies: 11
Views: 1571

Re: Friend is accidentally in Roth phase-out

Is your friend married? If neither your friend or his spouse work at a company with a pension plan (box 14 check marked on W-2), will having your friend's spouse make a tax-deductible traditional IRA contribution help lower their Married Filing Jointly (MFJ) AGI? Probably need to check the two spec...
by Clever_Username
Sun Jan 15, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 60
Views: 6090

Re: Does it sound like my employer trying to push me out?

Not to many other options in the area I live in, there's mostly entry level stuff where I'm at. Apologies if this was said elsewhere and I missed it, or if this is too personal, but is anything tying you to this area (own a house that you'd prefer to not sell, family, etc)? It might be worth wideni...
by Clever_Username
Sun Jan 15, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Still celebrating the small financial victories
Replies: 2
Views: 328

Re: Still celebrating the small financial victories

Congratulations. Keep up the good work.
by Clever_Username
Sun Jan 15, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Friend is accidentally in Roth phase-out
Replies: 11
Views: 1571

Re: Friend is accidentally in Roth phase-out

At Vanguard, you have to download, print and mail in the recharacterization form. Note that you specify the original amount that was contributed. Vanguard will calculate the exact value (with earnings/losses) that the contribution is worth at recharacterization time and remove that much. He won't b...
by Clever_Username
Sat Jan 14, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Friend is accidentally in Roth phase-out
Replies: 11
Views: 1571

Re: Friend is accidentally in Roth phase-out

Thanks Mike. Is recharacterizing the contribution doable through the Vanguard interface (where I'm 99% sure his Roth IRA is), or does he have to do something else? If he isn't doing specific identification of shares in his Roth IRA, is that an issue?
by Clever_Username
Sat Jan 14, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Friend is accidentally in Roth phase-out
Replies: 11
Views: 1571

Friend is accidentally in Roth phase-out

I mentioned elsewhere that in 2016, I decided to not contribute to a Roth IRA at the start of the year as I suspected that I'd at least be in the phase-out range (it turns out I was right), and I cannot do a backdoor Roth due to pre-tax IRAs with sufficient value. As for me, when I do my taxes, I'll...
by Clever_Username
Sat Jan 07, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: CA state sales tax rate reduced 0.25% to 7.25% as of 1/1/17
Replies: 6
Views: 1040

Re: CA state sales tax rate reduced 0.25% to 7.25% as of 1/1/17

I hadn't heard of this. I'll start checking receipts more closely.
by Clever_Username
Sat Jan 07, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Kiplinger's 6 Vanguard Index Funds to Buy and Hold Forever
Replies: 7
Views: 2222

Re: Kiplinger's 6 Vanguard Index Funds to Buy and Hold Forever

So... three recommendations that amount to the Total Stock Market Index, two that amount to Total International (if I'm reading those entries right), and total bond.

Great choices!
by Clever_Username
Fri Jan 06, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Are Commodities Still a Good Portfolio Diversifier?
Replies: 51
Views: 2720

Re: Are Commodities Still a Good Portfolio Diversifier?

Gorton and Rouwenhorst don't talk about low correlation. They say "negative correlation." And notice how their abstract suffers from verb-tense disease! ...Fully-collateralized commodity futures have historically offered the same return and Sharpe ratio as equities. While the risk premium...
by Clever_Username
Fri Jan 06, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: When to contribute to IRA/Roth?
Replies: 10
Views: 1100

Re: When to contribute to IRA/Roth?

I struggle with this myself. I'm long since over the amount by which I can deduct for a traditional IRA, so that's out the window, so it's a matter of the Roth IRA. If I knew for a fact that 2017's income would be under the Roth limit, I'd do it right away in January. As in, it'd have been done alre...
by Clever_Username
Thu Jan 05, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I participate in 401K even if it's American Funds & no Match
Replies: 24
Views: 1471

Re: Should I participate in 401K even if it's American Funds & no Match

Yet another vote (not that we're putting this to a vote) for investing in it after your IRA is maxed out; bad 401(k)s become good IRAs.
by Clever_Username
Tue Jan 03, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5203

Re: Investing in a Masters and Ph.D?

Its kind of like a racehorse who has so much potential to be a winning horse----but due to age, still strong, and still has potential---it will never see a racetrack in its lifetime. Maybe try to find whatever constitutes being put out to stud in this analogy? It would be nice to click my heels and...
by Clever_Username
Tue Jan 03, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7473

Re: Are Younger people funding 529 Plans?

Anecdotal, but the reason I'm not going to is that no one in my generation of my family has kids, nor do any intend to go back to school, so that use is out. I have a few friends with very young kids, but I think we live in a state that doesn't really help with 529s. I'll look into it if I find out ...
by Clever_Username
Sun Jan 01, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 53
Views: 9483

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

Well, bookmark it because it's a nice, clean, definite prediction and let's remember to look at again at the end of the year. That sounds like a good idea. I haven't followed the market closely in the second half of the year, but I don't believe it crashed. I wonder if this incorrect prediction is ...
by Clever_Username
Fri Jun 24, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Rule of Thumb: Max out 401K/Roth 401K BEFORE Roth IRA?
Replies: 7
Views: 848

Re: Rule of Thumb: Max out 401K/Roth 401K BEFORE Roth IRA?

Yep, circumstances based. My workplace plan has Vanguard Institutional shares, so that works better for me than my Roth IRA, which is merely in Admiral shares.
by Clever_Username
Sun May 01, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 9075

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Yes; preference for Scotch. Glencairn glasses, drink it neat, the whole deal. I prefer Islay, but there are others I like too. I have no issues spending $60+ on a good Ardbeg or Laphroaig. They last me a bit too, so this isn't a monthly expense or anything. I'm slowly getting into Bourbon. Current ...
by Clever_Username
Sat Apr 30, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 9075

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Yes; preference for Scotch. Glencairn glasses, drink it neat, the whole deal. I prefer Islay, but there are others I like too. I have no issues spending $60+ on a good Ardbeg or Laphroaig. They last me a bit too, so this isn't a monthly expense or anything. I'm slowly getting into Bourbon. Current f...
by Clever_Username
Sun Apr 17, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 6533

Re: HELP! HR Doesn't Believe in Index Funds for 401k

What fraction of your portfolio is this 401(k)? You might just be able to use the S&P index, along with maybe the stable value fund, for your needs at work. Also, how long have you been at this company, and how long do you intend to be there? If the 401(k) either does or sorta-does fit your port...
by Clever_Username
Sat Apr 16, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 7972

Re: Stub Hub High Fees - WOW

I'm so happy that people are finally interested in seeing the Diamondbacks play. Okay, on topic: the business model for a lot of these places is being hated. As in, they allow the ticket seller (venue, band, whoever) to charge more while claiming a lower face value on the ticket, and they take the b...
by Clever_Username
Fri Apr 15, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Non-Compete Clause
Replies: 20
Views: 2594

Re: Non-Compete Clause

Another vote for having an employment lawyer look at it. For a few bucks, you'll know exactly where you stand legally if you sign it or don't sign it.
by Clever_Username
Wed Apr 13, 2016 5:51 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 6142

Re: Total Bond Achilles Heel?

telemark wrote:I did a search in bloomberg.com for "Achilles heel", and it seems to be a meme there: just about everything has an Achilles heel, or possibly several. However I am not able to find this article.


Wow, even Achilles only had one Achilles heel. Such trouble in these markets ;-)
by Clever_Username
Mon Apr 11, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Renting out and renting
Replies: 7
Views: 608

Re: Tax Question: Renting out and renting

I'm not planning to move back in, no. I view it as extremely unlikely. I just don't know where I'm buying yet, and -- and this is probably sub-optimal mathematically -- in my mind, that the most recent comp is less than I paid for this, I'm not quite ready to sell. I realize that might be a silly wa...
by Clever_Username
Mon Apr 11, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Renting out and renting
Replies: 7
Views: 608

Re: Tax Question: Renting out and renting

Thanks for the advice everyone. I can certainly see this becoming a headache as an accidental landlord -- it certainly isn't a job I want long-term. I plan to have someone who manages a handful of units in my building coordinate the renting. The condo is currently at a loss; I bought at $400k and a ...
by Clever_Username
Mon Apr 11, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Renting out and renting
Replies: 7
Views: 608

Tax Question: Renting out and renting

Hi all, I currently live in a condo I own; I have owned it for about ten years and have lived there for nine of the past ten (first five, last four), renting it out in between when I worked out-of-state for a year. I'm currently thinking of selling it at some point in the not-too-distant future (a y...
by Clever_Username
Sun Apr 10, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: Part of E-Fund in Low Risk Bonds?
Replies: 15
Views: 1389

Re: Part of E-Fund in Low Risk Bonds?

jjface wrote:
Clever_Username wrote:Do you currently own any Series I Savings Bonds? Those are very low risk and are convenient for an emergency fund.


Just wondering how fast you can cash those in generally?


I haven't tried. I believe it's only a day or two to clear.
by Clever_Username
Sat Apr 09, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: Part of E-Fund in Low Risk Bonds?
Replies: 15
Views: 1389

Re: Part of E-Fund in Low Risk Bonds?

Do you currently own any Series I Savings Bonds? Those are very low risk and are convenient for an emergency fund.
by Clever_Username
Sat Apr 09, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer in Hand, Delaying Notice
Replies: 42
Views: 4203

Re: Job Offer in Hand, Delaying Notice

Give 2 weeks notice. Are you concerned they will walk you out the door since you are going to a competitor? Most ethical companies will continue to pay you for 2 wks if this were to happen. A company I used to work for had a policy (I don't know if it was a written policy or not, but it was certain...
by Clever_Username
Sat Apr 09, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Collections Debt: Required to Pay?
Replies: 11
Views: 1571

Re: Collections Debt: Required to Pay?

If you're ever contacted about paying a debt, step one should be to confirm (a) that you actually owe the debt and (b) that they are legally entitled to collect the debt. Have them send you proof in writing; ask for debt validation. Even if it's debt you know you owe, there's a chance that they're n...

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