Search found 837 matches

by CyclingDuo
Sun Nov 19, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Annuity - keep it or cash out?
Replies: 3
Views: 351

Re: Annuity - keep it or cash out?

I have a $200k Vanguard annuity. I acquired it when I cashed out a life policy that was no longer needed in a business partnership. The (lousy) Life policy at that time had a $60,000 investment loss, so conversion to a low cost annuity was my mechanism to earn that $60,000 back in a tax free manner...
by CyclingDuo
Wed Nov 15, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Going to College to become a Teacher - 19 Started Roth IRA.
Replies: 14
Views: 1009

Re: Going to College to become a Teacher - 19 Started Roth IRA.

-I would even go so far as to not take on a job that does not have a low cost vendor for your 403b. I guess we should include some obvious caveats for the OP. If the job included a mandatory pension with the employer match, then the voluntary 403b could be a secondary investment vehicle that would ...
by CyclingDuo
Wed Nov 15, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101404

Re: U.S. stocks in freefall

flyingaway wrote:
Wed Nov 15, 2017 10:33 am
Is the big one coming?
1% off the highs, and this is the question?

:oops:
by CyclingDuo
Wed Nov 15, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Going to College to become a Teacher - 19 Started Roth IRA.
Replies: 14
Views: 1009

Re: Going to College to become a Teacher - 19 Started Roth IRA.

I am in my freshman year of college studying to become a teacher. I am a male going into early childhood education. I am older for my grade, and I plan to get a Masters in Education Literacy right after college which would put me at starting my career at the age of 24.My long term goal is to become...
by CyclingDuo
Tue Nov 14, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4573

Re: Tipping in living wage state. Redux.

I'm not sure what changed her mind, but she's now happily teaching. That's easy. In addition to the income from teaching, she gets health insurance, a 401k/403b plan, most likely a pension plan, and summers off (good time to practice a 3 month mini-retirement every year). All in all - most likely a...
by CyclingDuo
Tue Nov 14, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902037

Re: What Movie Have You Recently Watched?

Murder on the Orient Express in the theater this past weekend. We really enjoyed it!

:sharebeer
by CyclingDuo
Tue Nov 14, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7200

Re: GE and the myth of "safe blue-chip stocks"

arcticpineapplecorp. wrote:
Tue Nov 14, 2017 6:06 pm
where's the screaming buy from a valuation perspective?
Around $11-12 if the stock had stopped falling, and was starting to base there if the forecast was for .96 - $1.07 in EPS.

:greedy
by CyclingDuo
Tue Nov 14, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4573

Re: Tipping in living wage state. Redux.

Historically waitstaff in many jurisdictions were earning something around $2.13 plus tips. This is the federal minimum wage for tipped waitstaff. Many states require a higher minimum wage than that, for example all the states on the West Coast require employers pay the full state minimum wage in a...
by CyclingDuo
Tue Nov 14, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7200

Re: GE and the myth of "safe blue-chip stocks"

Upon GE's selling off part of its best performing business,didn't Mr. Buffet sell his GE and buy into the business that was just sold off from GE? If so,sounds like Mr. Buffet didn't think too optimistically about GE's management decision Where GE goes now is up in the air,I hope they can recover. ...
by CyclingDuo
Tue Nov 14, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7200

Re: GE and the myth of "safe blue-chip stocks"

Markets are cyclical. He is no doubt waiting for the next bear market. But his scale makes that difficult -- he needs to spend billions to "move the dial". And individual stocks experience their own bear markets where somebody like a WB steps in when value meets his metrics. GE is obviously in the ...
by CyclingDuo
Mon Nov 13, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3326

Re: Do telecom stocks have a future?

I didn't buy T and VZ for higher returns than the total stock market that's what the other 75% of my portfolio is for. I bought them to generate an income stream greater than the total bond fund. And I believe that they've done that over the time frame. I'm not trying to convince anyone else to do ...
by CyclingDuo
Sun Nov 12, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1808

Re: Are we headed for a crash or...

Nate79 wrote:
Sun Nov 12, 2017 12:38 pm
Based on that chart looks like we are headed for a 17 year boom. Is that how you read it?
:beer

https://www.joefahmy.com/
by CyclingDuo
Sun Nov 12, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 2956

Re: Fidelity 10X Retirement Rule - - Valid???

From Fidelity: How much do I need to save for retirement? To get to your retirement end zone, aim to have saved 10 times your salary by retirement, assuming you retire at age 67. The 10x savings rules of thumb are developed assuming age-based asset allocations consistent with the equity glide path ...
by CyclingDuo
Sat Nov 11, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3326

Re: Do telecom stocks have a future?

I didn't buy T and VZ for higher returns than the total stock market that's what the other 75% of my portfolio is for. I bought them to generate an income stream greater than the total bond fund. And I believe that they've done that over the time frame. I'm not trying to convince anyone else to do ...
by CyclingDuo
Fri Nov 10, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3326

Re: Do telecom stocks have a future?

rgs92 wrote:
Thu Nov 09, 2017 8:50 am

(3) I read somewhere that they are essentially like convertible bonds. But could the bottom drop out?


http://marketrealist.com/2015/07/divide ... nds-times/
by CyclingDuo
Tue Oct 31, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: College grad first job-401K or Roth
Replies: 55
Views: 2997

Re: College grad first job-401K or Roth

I am 53 and just started to try to understand all this investing stuff. I guess better late than never. I am trying to help son set up retirement account. He is 22, first job, making 55,000. “Word” at his work is that their 401k is not good. He said most guys do not invest in their 401k. No employe...
by CyclingDuo
Tue Oct 31, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 47
Views: 4169

Re: Interesting twist to "Free 2-day shipping" at Walmart

Apologies for the thread derailment.
by CyclingDuo
Tue Oct 31, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: 28 year old investing advice needed
Replies: 12
Views: 1271

Re: 28 year old investing advice needed

Last month I turned 28, and I need some investing advice. Here is some info about my situation.. -currently single, no children -not a home owner, I live in an area where housing prices are steep, so I rent. -I have a modest salary, but I save aggressively -car paid off, student loans paid off (gra...
by CyclingDuo
Tue Oct 31, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: Roth IRA for children
Replies: 38
Views: 2594

Re: Roth IRA for children

This subject has been addressed on numerous occasions, and every time I am either lacking understanding of the process or there is vagueness in the responses (thinking the latter, :happy ). I have two kids aged 15 & 11 who I would like to kick start in life with Roth IRA contributions. Neither has ...
by CyclingDuo
Mon Oct 30, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3739

Re: Buying Vanguard ETF's VTI and VXUS

Annoying? We would disagree. We've been using DRIP's for years and years with individual stocks and ETF's. It's like seamless clockwork with the quarterly dividends being invested without any hassle on the investor's part. Vanguard's stock/ETF dividend reinvestment purchases occur at market opening...
by CyclingDuo
Mon Oct 30, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3739

Re: Buying Vanguard ETF's VTI and VXUS

Set dividends and capital gains of your ETFs to the settlement fund. Small fractional shares are annoying. Buy in multiple of 10 shares to keep your lots neat. Messiness breeds confusion! Annoying? We would disagree. We've been using DRIP's for years and years with individual stocks and ETF's. It's...
by CyclingDuo
Mon Oct 30, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Is it safe to move money from TIAA to Vanguard funds?
Replies: 5
Views: 548

Re: Is it safe to move money from TIAA to Vanguard funds?

One of my retirement accounts is through TIAA-CREF. It is a 403b. Within that account I have access to Vanguard, TIAA, Oppenheimer, and T.Rowe Price funds. Actually, the Vanguard ones are a fairly new offering. I have been following the advice of others by choosing the funds that have the lowest fe...
by CyclingDuo
Mon Oct 30, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: 401k catch up $ ?
Replies: 12
Views: 1599

Re: 401k catch up $ ?

My spouse doesn't have 401k through the employment therefore we invest in IRA. Is there a catch up contribution in IRA also or it is only through employer sponsored 401k? Yes. It jumps from $5500 to $6500 for age 50 and over. So if both you and your wife qualify, you could be socking away $13K a ye...
by CyclingDuo
Sun Oct 29, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Question
Replies: 7
Views: 624

Re: 403b Question

Hi- End of year planning trying to sock away all that we can to minimize taxes. We are in the 33% bracket. I have maximized 401k and match. Hubby is a teacher. Just learned that he has a 403b option in addition to his pension. Not crazy about the way it is set up or the choices. At the end of the d...
by CyclingDuo
Sun Oct 29, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Ohio Teacher
Replies: 10
Views: 990

Re: Ohio Teacher

Hello All! I just started teaching at a new district in Ohio and they match our 14% State teachers retirement contribution with an additional 9%, so 23% total(automatically vested so if I were to ever get out of education I would still be able to keep this extra 9% from the district)..I am extremel...
by CyclingDuo
Sun Oct 29, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 24993

Re: Iphone X is $1000

The pre-orders sold out in a few minutes this AM. Won't that just upset all the naysayers that have posted on this thread? :sharebeer Not really, there is always a sucker born everyday. Especially if you consider the average annual costs per person for health care hit $10,345 in 2016. :mrgreen:
by CyclingDuo
Sun Oct 29, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 24993

Re: Iphone X is $1000

hicabob wrote:
Fri Oct 27, 2017 10:36 am
The pre-orders sold out in a few minutes this AM.
Won't that just upset all the naysayers that have posted on this thread?

:sharebeer
by CyclingDuo
Sat Oct 28, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7130

Re: Is it difficult to switch from an iPhone to an Android?

letsgobobby wrote:
Sat Oct 28, 2017 9:06 am
I won’t convince her to switch to save money, but she’d consider it if the changeover is easy and if the Android device is substantially better. What do you think?
Her hand will turn blue and fall off. :mrgreen:
by CyclingDuo
Sat Oct 28, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Patient but not that lucky
Replies: 42
Views: 2885

Re: Patient but not that lucky

As I was looking at the rally in Nasdaq and the tech stocks yesterday, I started thinking back to the late 1990s and early 2000s and also to the 08-09 crash. It is said that the main thing one must have to invest in the stock market is patience. Being lucky is another that is not mentioned as much....
by CyclingDuo
Sat Oct 28, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: 401k catch up $ ?
Replies: 12
Views: 1599

Re: 401k catch up $ ?

I just turned 50 so am now eligible to run my contributions to 24k. I also maxed out my 18k contributions just before turning 50. My question is: What benefit does adding that extra 6k do for your account numbers? That 6k really doesn't gain you much in the compounding interest of the whole account...
by CyclingDuo
Sat Oct 28, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 5357

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

Stocks are up today and bonds (VBTLX) fall. Stocks were falling yesterday and bonds also fall. Has everyone holding bond funds simply made peace with the fact that bonds are practically useless until there is a 25%+ drop in the market? I can't convince myself to keep holding bonds. Do you have a lo...
by CyclingDuo
Sat Oct 28, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: Roth IRA for children
Replies: 38
Views: 2594

Re: ROTH IRA for children

Has anyone opened a Roth for their children? Seems like a really good idea to me. Kids are working (ref. games) in my town, and finally have some earned income. Anyone know why the initial amount to open a Vanguard Roth account is so high? I know 1,000 is a drop in the bucket to most people, but if...
by CyclingDuo
Fri Oct 27, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 5357

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

Stocks are up today and bonds (VBTLX) fall. Stocks were falling yesterday and bonds also fall. Has everyone holding bond funds simply made peace with the fact that bonds are practically useless until there is a 25%+ drop in the market? I can't convince myself to keep holding bonds. Do you have a lo...
by CyclingDuo
Thu Oct 26, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: So I bought/im thinking
Replies: 69
Views: 4764

Re: So I bought/im thinking

The whole market is the whole market. There is nothing you can add to the whole market that will give you more diversification than the whole market. Adding additional US Stock funds instead focuses your holdings in one, smaller sector. If you add REIT, then your portfolio's performance is dependin...
by CyclingDuo
Thu Oct 26, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: So I bought/im thinking
Replies: 69
Views: 4764

Re: So I bought/im thinking

The whole market is the whole market. There is nothing you can add to the whole market that will give you more diversification than the whole market. Adding additional US Stock funds instead focuses your holdings in one, smaller sector. If you add REIT, then your portfolio's performance is dependin...
by CyclingDuo
Wed Oct 25, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: So I bought/im thinking
Replies: 69
Views: 4764

Re: So I bought/im thinking

Here's "Jack's rule"*: VTI only until you have $100k invested. Then look at the wiki and expand to a 3 fund, low cost portfolio. *Jack as in me, not the founder of Vanguard. Not sure we'd agree with your rule of "$100K in VTI" before one should consider holding other components of the market. With ...
by CyclingDuo
Wed Oct 25, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: So I bought/im thinking
Replies: 69
Views: 4764

Re: So I bought/im thinking

So last week 10/17/17 I bought a few ETF's I bought..... 3 VTI - Total Stock Market 2 VOO - S&P 500 3 VXUS - Total International 3 VNQ - REIT 3 BND - Total Bond Market 3 VWO - Emerging Markets So with that being said only 2 out of the 6 are gaining value VOO and VTI, the others are losing value wha...
by CyclingDuo
Wed Oct 25, 2017 7:35 am
Forum: Investing - Theory, News & General
Topic: NASDAQ as a significant portfolio component?
Replies: 29
Views: 1684

Re: NASDAQ as a significant portfolio component?

Just my opinions: Total Market funds already have NASDAQ stocks as a significant component. The real question is "Is there any theoretical reason to overweight,relative to the total market, the stocks that happen to be on one particular exchange or index". I don't think so. First of all, the NASDAQ...
by CyclingDuo
Tue Oct 24, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a financial coach?
Replies: 1
Views: 464

Re: How to become a financial coach?

Im not looking to give investment advice, just help people get out of debt or get started with setting up retirment accounts. Where can i find jobs like that. Maybe part time? Maybe from home. I have heard a little about money managment international, are they a good company to work for? Other opti...
by CyclingDuo
Tue Oct 24, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1659

Re: Favorite HIIT Workouts

Wondering what you all do for HIIT workouts, or complexes? Kind of got into a rut where I do the same 3 over and over: one sprint workout, one rowing machine, and one on the bike A bike race! All the training for months to prepare has plenty of HIIT involved, but the race itself is my favorite HIIT...
by CyclingDuo
Tue Oct 24, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: "active managers have given active management a bad name"...
Replies: 1
Views: 550

"active managers have given active management a bad name"...

Good article this morning at Morningstar entitlted "active managers have given active management a bad name". http://beta.morningstar.com/articles/831115/have-active-managers-given-active-management-a-bad-name.html The other counterargument is that even drastic fee cuts wouldn't have changed the sto...
by CyclingDuo
Sun Oct 22, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 2 in Daycare -Sell Taxable to Max 401k?
Replies: 46
Views: 2784

Re: 2 in Daycare -Sell Taxable to Max 401k?

Any reason not to do option 1? Isn't there a reason not to to do option 1? :?: If you do option 1, you will be paying tax twice, right? First on the capital gains in taxable from the sale of the assets to cover the day care so you can contribute the full 401K amount. Next, you will pay taxes on tha...
by CyclingDuo
Sun Oct 22, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 1543

Re: New York restaurants suggestions?

Looking for some good NYC food, never been, there next weekend. Will be an Manhattan and maybe Brooklyn. We like all kinds of food.Thanks very much for any suggestions as to your favorite places. Run, don't walk, to Katz's Deli for your fix of pastrami hot sandwich! https://www.katzsdelicatessen.co...
by CyclingDuo
Sat Oct 21, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6424

Re: Why do I need bonds? (I'm 30)

I have not Invested through a bear market, right now I am 80/20 AA from recommendations from this site. Looking for more wisdom as to why I need bonds with 20+years to invest. :beer Past performance is no guarantee of future performance, but the past 200+ years in the US Market haven't been too bad...