Search found 1878 matches

by Dulocracy
Fri May 20, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 60
Views: 3444

Re: Most affordable option for a will

Larry Allen, so when I search for online estate software, I see that many lawyers are writing into discussion boards asking about the best software to use when writing up estate plans. So, this scares me a little bit. Am I just going to get some lawyer that has NOLO installed on his computer? I gue...
by Dulocracy
Fri May 20, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 11
Views: 953

Re: Listening to tunes while exercising

... It comes out at my butt, ... This is right up there with the discussion of horse semen as an investment as phrases I never expected to see on this site [taken out of context to make it sound more shocking] OP: I have a friend that is really excited about these: https://www.getkanoa.com/?gclid=C...
by Dulocracy
Fri May 20, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Reality check - how am I doing
Replies: 50
Views: 4981

Re: Reality check - how am I doing

I would like people's opinion based on the information provided. I will not be providing any additional details at this time. By refusing more details and only providing details after people ask and/or providing details after someone gives you advice with assumptions that they had to make because y...
by Dulocracy
Fri May 20, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: Burton Malkiel: "I think [commodities] should be in every portfolio."
Replies: 35
Views: 2640

Re: Burton Malkiel: "I think [commodities] should be in every portfolio."

Taylor Larimore wrote:
Can Bogleheads please comment on Burton Malkiel's idea that commodities producers should be in every portfolio?

neomutiny06:

Total market index funds hold the market weight in commodity companies.

Keep investing simple.

Best wishes.
Taylor


Agreed.
by Dulocracy
Thu May 19, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: Overconfident Investors, Predictable Returns, and Excessive Trading
Replies: 10
Views: 1388

Re: Overconfident Investors, Predictable Returns, and Excessive Trading

larryswedroe wrote:woodwose
It's such a rare condition that it has not been studied, cannot get big enough sample to be meaningful (:-))


I just spit coffee on my keyboard at that.
by Dulocracy
Thu May 19, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Kiplingers recommends 8 great Vanguard funds for retirement
Replies: 11
Views: 1566

Re: Kiplingers recommends 8 great Vanguard funds for retirement

Many bogleheads dislike dividend investing, some like it. I would say it is probably a 75% against 25% for divide. I like dividends, but Larry Swedroe's arguments have persuaded me against them in taxable accounts. I would not use VDIGX, although I still have about $5000 in it. I primarily use VEIRX...
by Dulocracy
Thu May 19, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: 10 Year TIPS Auction
Replies: 14
Views: 1084

Re: 10 Year TIPS Auction

Bogleheads, Sometimes I am surprised at how many folks are still loyal to this asset class. That must be very tough at times. Best. Sometimes, we all need to evaluate whether we are contributing to a conversation or detracting before we post. Here, the OP asked for participants' opinions on the yie...
by Dulocracy
Thu May 19, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1618
Views: 336657

Re: What Movie Have You Recently Watched?

Dark Passage -- Bogie and Bacall. First time I've seen it. That's number three of the four Bogie and Bacall films. It's the weakest of the four but it does complete my viewing of all of them. There really wasn't much chemistry or tension between the leads. There is a clever gimmick. For the first h...
by Dulocracy
Mon May 16, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 3507

Re: What % do you have in alternatives? REITs, commodities, etc.)

Our goal is 10% REITs. REITs, as mentioned above, act differently than stocks or bonds. Because they act differently, they are a good diversifier for my portfolio. Unlike gold (I am not starting that debate, just giving my logic), they produce income. With Gold, you are speculating on the price, but...
by Dulocracy
Mon May 16, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bankrate: Do Credit Unions Have an Overdraft Problem?
Replies: 18
Views: 1191

Re: Bankrate: Do Credit Unions Have an Overdraft Problem?

Two comments: 1) I do not overdraft my accounts. Problem solved. My account fees are subsidized by those who do. (Tax on those bad at math?) 2) While it is an interesting article, it is not actionable. There is nothing that I can do about this, and no legal ban of overdraft fees is in place (or at l...
by Dulocracy
Mon May 16, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2079

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

Just do not "put it to sleep," as it will not wake up from that.
by Dulocracy
Mon May 16, 2016 8:58 am
Forum: Investing - Theory, News & General
Topic: When is the last time Vanguard altered target date allocations?
Replies: 8
Views: 1050

Re: When is the last time Vanguard altered target date allocations?

The main reason that I do not use the target date funds is that they fiddle with it too often. I like a set it and leave it approach, so I do not like the constant change of how much we have in international, how much we have in emerging, how much we have in international bonds. I typically use only...
by Dulocracy
Mon May 16, 2016 8:53 am
Forum: Investing - Theory, News & General
Topic: WSJ Article Dividends Aren't the Answer, They're the Problem
Replies: 57
Views: 8876

Re: WSJ Article Dividends Aren't the Answer, They're the Problem

With the baby boom generation cycling through to retirement and looking for these returns (from dividend stocks). Can we expect that is part of what is driving the market and maybe giving it some support? How many years before these boomers have cycled through? This kind of stuff has me a bit on ed...
by Dulocracy
Mon May 16, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: WSJ Article Dividends Aren't the Answer, They're the Problem
Replies: 57
Views: 8876

Re: WSJ Article Dividends Aren't the Answer, They're the Problem

If you own bonds only for the sake of yield then yes, it makes sense. But if you own bonds for risk-management also in your portfolio (like most people do) then it doesn't look like a good idea to me. Imaging re-balancing your stock with your house mortgage (your bonds) :confused, how do you do tha...
by Dulocracy
Fri May 13, 2016 5:04 pm
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7166

Re: "CAN ANYTHING STOP VANGUARD?"

Thank you for posting. I am sending this to a friend!
by Dulocracy
Fri May 13, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 15
Views: 1096

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

Of the two, I would be more likely to choose VDADX. Is there a reason that you are not considering VEIRX? ER of 0.17 I like this fund because it does not aim for the highest dividend. It aims for a stable dividend with stocks that increase in value over time. (That increase in stock value is importa...
by Dulocracy
Fri May 13, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article Dividends Aren't the Answer, They're the Problem
Replies: 57
Views: 8876

Re: WSJ Article Dividends Aren't the Answer, They're the Problem

But, I agree with your last line, and even though I have a vestigial dividend-raising stock list, I believe in a healthy bond allocation. In fact, I'm about 50% in bonds. Full disclosure: 20% of my 401k is in VEIRX, a dividend fund. However, that is a part of my IPS, and not an alternative to bonds...
by Dulocracy
Fri May 13, 2016 3:04 pm
Forum: Investing - Theory, News & General
Topic: stocks benefiting most from low oil prices
Replies: 16
Views: 1146

Re: stocks benefiting most from low oil prices

You are not going to find a lot of oil speculation on this site... or speculation at all. Investing typically requires discipline. Oil may go up with some war in a few months, or it may stay down for ages. You can find lots of articles where people speculate about what might be a good "bet"...
by Dulocracy
Fri May 13, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Lock up your valuables
Replies: 20
Views: 1944

Re: Lock up your valuables

I have a safe at home. In it are two $0.50 pieces, a $20 bill, and a nickel that is worth $0.35 to a collector. The only thing we really have of semi value would be the china (not really worth anything), some old books (not really worth anything), my computer that I purchased for $200 a year ago, an...
by Dulocracy
Fri May 13, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: That moment of panic...
Replies: 39
Views: 8186

Re: That moment of panic...

I still keep a good amount of cash split between a fireproof safe and a secret hiding spot at home... I don't bother. Having watched The Walking Dead, I know that cash will be worthless when the zombie attack comes. 8-) I asked my friends to raise their hands if they had a zombie apocalypse plan. A...
by Dulocracy
Fri May 13, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article Dividends Aren't the Answer, They're the Problem
Replies: 57
Views: 8876

Re: WSJ Article Dividends Aren't the Answer, They're the Problem

Most comments are taking the article title too literally. I see no suggestion in the article that investors should favor dividend-paying stocks over non-dividend-paying stocks or vice versa. Dividends are not a "problem" in the sense that they are to be avoided, but rather that their yiel...
by Dulocracy
Fri May 13, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: That moment of panic...
Replies: 39
Views: 8186

Re: That moment of panic...

I still keep a good amount of cash split between a fireproof safe and a secret hiding spot at home... I don't bother. Having watched The Walking Dead, I know that cash will be worthless when the zombie attack comes. 8-) I asked my friends to raise their hands if they had a zombie apocalypse plan. A...
by Dulocracy
Fri May 13, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: paid off mortgage...what happens next?
Replies: 19
Views: 3138

Re: paid off mortgage...what happens next?

rightdecisions wrote:
Seems anti-climatic.


It should be. Climatic means something went wrong.

If you want exciting, Use the next mortgage payment for a mini-vacation to celebrate. Do not, however, tell people that your mortgage is paid off.
by Dulocracy
Fri May 13, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Coordinating student loans & retirement plan with fiancée (long post warning)
Replies: 16
Views: 2418

Re: Coordinating student loans & retirement plan with fiancée (long post warning)

Some thoughts. Not being rude, but being blunt. People come on this site all the time talking about how they are a "special snowflake" and so unique. They have trwoo wuv. It will never fail. When people caution you about not paying her debt, they are not saying your marriage will not take ...
by Dulocracy
Fri May 13, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: I need help choosing funds for my 401k through ADP
Replies: 7
Views: 646

Re: I need help choosing funds for my 401k through ADP

I agree that your first IRA choice would be Vanguard's Total International. After you read up on things a bit more (and you have enough room for two funds in the IRA), consider an allocation to the Extended Market Fund (VEXMX). Basically, a Total Market fund has Large caps, Mid Caps, and Small caps....
by Dulocracy
Fri May 13, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA advice for 26 yr old
Replies: 8
Views: 784

Re: Roth IRA advice for 26 yr old

Stay the Course. In 20 years, you will look back on this and think of it like you currently think of a week's allowance when you were in elementary school: Not a relevant cause for concern. Keep plugging away!
by Dulocracy
Fri May 13, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Why are state-specific bond funds often long?
Replies: 22
Views: 2484

Re: Why are state-specific bond funds often long?

dratkinson wrote:Data point.

Search for (Forbes?) article on "death spiral states". See where MD ranks.


Thank you for the information! This will likely have a real impact on what I choose to do in the not too distant future.
by Dulocracy
Fri May 13, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Lawncare - Chigger control
Replies: 9
Views: 859

Re: Lawncare - Chigger control

jebmke wrote:
Dulocracy wrote: Use. A. Mask.

What kind of mask do you recommend?


I went to Home Depot. I asked for masks for putting out pesticide. They handed me one. Since they are one time use, I have since thrown it away. Apologies that I am not more helpful in that regard.
by Dulocracy
Fri May 13, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Capturing the Small Cap Premium
Replies: 52
Views: 5294

Re: Capturing the Small Cap Premium

I appreciate all of the thoughtful responses from the Bogleheads community. I am attempting to capture the small cap equity premium as described in the Fama-French model. Here’s my AA. 10% Total Bond Market Fund 5% TIPS/I Bonds 33% US Large Cap 11% US Mid Cap 11% US Small Cap 5% US REIT 16% Interna...
by Dulocracy
Fri May 13, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Why would adding a Roth option to a 401k increase the plan costs?
Replies: 5
Views: 1359

Re: Why would adding a Roth option to a 401k increase the plan costs?

We have a Roth option. It did not cost us extra.

Perhaps they need to look into a lower cost provider that does not nickel an dime them?
by Dulocracy
Fri May 13, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Retire Early -or- Not At All
Replies: 31
Views: 3427

Re: Retire Early -or- Not At All

I plan to be ABLE to retire early (or die and leave my family with no problems), but to live and work a very long time. I love what I do, and I cannot see myself not working, although I may sell my partnership and ask to work part time at some point. Heck, I would likely take a greatly reduced salar...
by Dulocracy
Fri May 13, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Why do dividends vary so much?
Replies: 7
Views: 770

Re: Why do dividends vary so much?

1) Company policies differ. 2) Payout dates differ. 3) Payout amounts differ from one company to another. 4) Laws differ from one country to another. 5) The economy can have an impact on profits. 6) Consumer cycles impact different companies in different ways (Think cyclical events like needing gas ...
by Dulocracy
Fri May 13, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 49
Views: 4179

Re: Evicting a tenant-Hire lawyer?

Hire an attorney. Know that the money is lost. Collecting on whatever judgment you get is unlikely. If you do collect, bonus! Consider it a learning experience. I recommend that clients use a management company to watch how they handle things for the first few years. The cost is worth the education...
by Dulocracy
Fri May 13, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 5849

Re: Do all Boglesheads die at 100?

I will die at 110. Likely, I will die at 90. Women often outlive men by a decade. My wife is 10 years younger than I am. I am planning for 20 years after my actual likely maximum life date.
by Dulocracy
Fri May 13, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 140
Views: 14234

Re: Renting vs owning

All of my friends who "own" real estate are house-poor. No thanks. It is important to note that there is a big difference between buying a house and buying the right house in the right price range. I tell people all the time: If you are not certain, do not buy yet. If you are going to liv...
by Dulocracy
Fri May 13, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: What's your EM tilt and why?
Replies: 43
Views: 2335

Re: What's your EM tilt and why?

My tilt is broken down as such: 4% stock portfolio in Vanguard EM 3% stock portfolio in DFA small EM 3% stock portfolio in DFA value EM What do make of Dave Swensen and others who say less than 5% of total portfolio is too small to make a difference? Not trying to start a fight. I'm interested in h...
by Dulocracy
Fri May 13, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 175
Views: 9598

Re: dividend stocks

OP: First, assumptions/declarations 1) I got to this website in looking for dividend strategies. 2) I learned a lot of downsides to dividends. 3) I still think dividends can have a meaningful part of my portfolio, but I have to play it smart. Playing it Smart 1) ONLY use dividend funds, not individu...
by Dulocracy
Fri May 13, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 49
Views: 4179

Re: Evicting a tenant-Hire lawyer?

Hire an attorney. Know that the money is lost. Collecting on whatever judgment you get is unlikely. If you do collect, bonus! Consider it a learning experience. I recommend that clients use a management company to watch how they handle things for the first few years. The cost is worth the education....
by Dulocracy
Fri May 13, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Lawncare - Chigger control
Replies: 9
Views: 859

Re: Lawncare - Chigger control

Triazicide from Spectracide in the ready-to-spray plastic bottle. About $8. Kills most insects. Doesn't smell. +1. I've used this with great success on chiggers I just put Spectracide on my lawn. USE A MASK. I failed to do this one time and had some health consequences. Seems like a common sense th...
by Dulocracy
Fri May 13, 2016 8:40 am
Forum: Investing - Help with Personal Investments
Topic: What's your EM tilt and why?
Replies: 43
Views: 2335

Re: What's your EM tilt and why?

I have a small tilt to EM, but I also have a small and value tilt in EM. EM represents 25% of my international holdings. This is in a large part because international is 40% of my stock portion, which would mean that 10% of the total stock portion would go in EM, which is easy to keep up with in mak...
by Dulocracy
Fri May 13, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads invest their 529s?
Replies: 28
Views: 1848

Re: How do Bogleheads invest their 529s?

Please note that, as duration of this fund will be shorter than the average retirement fund, tilting or slicing and dicing may not be appropriate. This comes from someone with an aggressive small/value tilt. Small/value tilts require time. For that reason, even though I slice and dice my retirement ...
by Dulocracy
Fri May 13, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 47
Views: 5645

Re: Taxable Account - Bonds - Diversification vs. Tax

Sure, there may be some defaults, but that broad diversification means that I should not see great losses and the bond fund will act like a bond fund is supposed to act in preserving assets. I am kind of new here but one issue I see is that the problem may not stop at the defaults. It could also sp...
by Dulocracy
Fri May 13, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: How much do you give your church for your membership?
Replies: 57
Views: 2226

Re: How much do you give your church for your membership?

We aim for 10% of net. It used to be that the argument was clearly 10% of gross. However, with much of the tax money going to the poor and much of the church money no longer doing so, we decided that 10% of net was appropriate. This is a touchy subject on this board, so I will not go into more detai...
by Dulocracy
Tue May 10, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Capturing the Small Cap Premium
Replies: 52
Views: 5294

Re: Capturing the Small Cap Premium

OP: Before you make your decision, look up Mel's Unloved MidCaps. Mid-caps can be a strong addition to a small/value tilt. I would over, not under-weight them. My equities portfolio is divided into 1/3 Large, 1/3 Mid, and 1/3 Small, with a strong tilt to Value. I am hoping that the small/value premi...
by Dulocracy
Tue May 10, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8130

Re: Buying a house for an adult child (child adult?)

I think there might be some hidden tax issues. There are a lot of tax issues with this. OP's taxes on rental income. Transfer taxes upon assumption. Cost basis at transfer having a possible impact on taxes at the eventual sale of the house, etc. That is presuming everything goes well. OP: If you MU...
by Dulocracy
Tue May 10, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Are we Invested Correctly-Where to Allocate Additional Funds
Replies: 7
Views: 520

Re: Are we Invested Correctly-Where to Allocate Additional Funds

Congratulations on Retirement!

I am presuming the pension either drops $99 from $699 to $600 or drops $9 to $690, not drops $9 from $699 to $600, or my math is really wrong.

Livesoft hit the nail on the head. Follow that advice.
by Dulocracy
Tue May 10, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13809

Re: how much cash do you carry in your wallet?

None. Unless I'm heading to a place I know is cash only. My wallet is not conducive to carrying cash. http://www.saddlebackleather.com/credit-business-card-wallet-usa I got the exact same thing, but the cheap version at Staples for $4.50 about 5 years ago. Still works. OP: I keep $20 in my wallet t...
by Dulocracy
Tue May 10, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund or Invest?
Replies: 11
Views: 1274

Re: Emergency Fund or Invest?

As someone who had a bunch of little emergencies (car repair, unexpected meeting of a health deductible, house expense) whittle away at the Emergency Fund, I say that when it rains it pours. Keep that money in the emergency fund and put every spare dime into investing.
by Dulocracy
Tue May 10, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: More House or More Investing?
Replies: 25
Views: 2626

Re: More House or More Investing?

I decided I wanted to get my forever home in the beginning. It was more house than I should have purchased. I had no kids. Now that I have my 1st kid, school districts changed. If I do not want my child in the bottom 40% of schools, I have to move. Many things can change. Start small. Do not buy if ...
by Dulocracy
Tue May 10, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: 1st post; consider new job impacting LT savings? wisdom for lawyer
Replies: 12
Views: 1136

Re: 1st post; consider new job impacting LT savings? wisdom for lawyer

JDCarpenter wrote:As an observation, earning well into six figures in a legal job that provides flexibility for family demands and has less nasty time demands that the alternative path puts you into mythological creature territory. 8-)


Ditto.

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