Search found 962 matches

by Engineer250
Sat Jun 16, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Gundlach sees 10 yr yields hitting 6%
Replies: 15
Views: 2608

Re: Gundlach sees 10 yr yields hitting 6%

Interesting. In the article he says 6% by 2020 or 2021 with a possible downturn in 2020.

Both predictions sound like they are far enough away to be plausible without having to be specific on when or why in the short term.
by Engineer250
Thu Jun 14, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Low inflation caused by e-commerce?
Replies: 15
Views: 1676

Re: Low inflation caused by e-commerce?

Inflation is certainly picking up where I live. Gas has gone up 33% for me from a year ago. Coworker said their landlord just raised their rent 18%. Average raise at my Megacorp was about 2.5% this year. There’s a reason core inflation includes the things it does. I don’t see any low inflation trend...
by Engineer250
Thu Jun 14, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 17
Views: 1066

Re: Why do we need 529?

One can save over $400,000 in a 529 plan; just try that with a ROTH IRA. One can withdraw principal from a ROTH IRA, one CAN NOT withdraw earnings from a ROTH IRA unless you are age 59.5. Will you be age 59.5 when child goes to school? First, yes. But for those who will not be, you use the principa...
by Engineer250
Wed Jun 13, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Bottom hit for bond market?
Replies: 7
Views: 1565

Re: Bottom hit for bond market?

Solutions? Reinvest in CD's, Treasuries, etc.?? What to do.. . . .what to do. . . Get the easiest, low stress part-time federal job you can find and roll everything into the TSP G fund. Admission gate attendant at some obscure National Monument that's only open on Tuesdays and Saturday. Why not wor...
by Engineer250
Wed Jun 13, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Requested rollover overnight envelope 6/4..don't have 6/13
Replies: 6
Views: 503

Re: Requested rollover overnight envelope 6/4..don't have 6/13

What's a rollover envelope? When I rolled over money to VG I just took the check I received from where it came from and sent it US postal service in a regular envelope to VG. I think maybe there was a letter from VG with the account number it was going into to make it easier for them to process. The...
by Engineer250
Wed Jun 13, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2453

Re: Why market drop when Fed announced rate increase?

I would like to know what factors it will take for 10-year treasury yield to get over 3% and actually stay there. Everyone seemed to predict the last time the FFR was raised that might do it, but it wasn't enough. People also thought today maybe, but it's still below. Last week it seemed like it was...
by Engineer250
Wed Jun 13, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 59
Views: 5553

Re: Boring Job

I can't stand it when people complain about being showered with money for doing nothing. I thought that was the definition of paradise lmao In fact, it's a very deceptive form of hell because you don't realize you're there. I occasionally spend time in federal offices in DC and get to hang around t...
by Engineer250
Wed Jun 13, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 6882

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

As one of the oldest millennials out there (born in 1981 according to the Pew Research Center and known member of the Oregon Trail Generation), there are so many combinations of factors out there that it is hard to quantify the reasoning behind the Forbes article. From a strictly financial point of...
by Engineer250
Tue Jun 12, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13171

Re: Best Advice You Never Took

Over my short BH lifespan, I have come to appreciate your posts. Even when discussing CC rewards strategies you have managed to interweave the concept of hindsight bias. Over the past 12 months I have read many of the books you recommended. Thank you! I like it when people appreciate my posts, and ...
by Engineer250
Mon Jun 11, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratios in Vanguard 401k
Replies: 16
Views: 1403

Re: High expense ratios in Vanguard 401k

An advisor, possibly assisted by a committee of clueless internal people, selected your investments. You can have a bad 401k at Vanguard, and a great one at Empower Retirement. Or vice versa. This. My company switched from Schwab to Vanguard and most of the funds stayed the same. They do offer VG T...
by Engineer250
Mon Jun 11, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2599

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

No. My portfolio is total market. I buy into whatever asset class doesn't match total market (lately, a lot of international small cap to balance out my TSP). Once the TSP updates their I Fund next year I suspect new contributions will go 50/50 Total US/Total International. I use brokerage in my 40...
by Engineer250
Fri Jun 08, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2599

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

No. My portfolio is total market. I buy into whatever asset class doesn't match total market (lately, a lot of international small cap to balance out my TSP). Once the TSP updates their I Fund next year I suspect new contributions will go 50/50 Total US/Total International. I use brokerage in my 401...
by Engineer250
Fri Jun 08, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4791

Re: $1M Question

Toons wrote:
Fri Jun 08, 2018 12:37 pm
Can You "break in" to Fort Knox??


:mrgreen: :mrgreen:
Old school. I was thinking hack into a Bitcoin exchange maybe.
by Engineer250
Thu Jun 07, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8778

Re: Indexing will fail investors in next decade

First time I've ever seen somebody recommend investing in water. Not sure how I would do that. Do I need my own water tower or can I pay a reservoir to store some for me. Who knows; it's not like that stuff just falls from the sky for free. Taking investors for my new crypto currency based on water...
by Engineer250
Thu Jun 07, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 2910

Re: Just added bonds to portfolio

Our FIRE will be flexible, and we'll still be young and would have no problem getting a part time job to cover expenses in the event of a heavy market downturn. That's why 15 percent bonds is tolerable. I'm not trying to be a jerk (I don't have to try, it comes naturally); but if a 2008 situation h...
by Engineer250
Thu Jun 07, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8778

Re: Indexing will fail investors in next decade

First time I've ever seen somebody recommend investing in water. Not sure how I would do that. Do I need my own water tower or can I pay a reservoir to store some for me. Who knows; it's not like that stuff just falls from the sky for free. Taking investors for my new crypto currency based on water...
by Engineer250
Thu Jun 07, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 46
Views: 3989

Re: Larry Swedroe: What If Your Plan Fails?

This is why I believ more in opportunistically customizing one’s glide path to retirement rather than blindly following an age based formula. https://www.bogleheads.org/forum/viewtopic.php?t=220275 Dave I agree with this. Before 2008 (but after 2000) I read an article concerned that too many on the...
by Engineer250
Thu Jun 07, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 7430

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

Is there some reason for 401k plans to have such limited choices? Why doesn't Vanguard (or any employer) just let you pick whatever funds you want? The empirical evidence is that this tends to suppress participation in the plan for the average Jane/Joe. Default enrollment (opt out) into target fund...
by Engineer250
Wed Jun 06, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3004

Re: Social Security crossover point has arrived

"How are you dealing with this news (even if it's old hat to you)?" Save more, panic less... - Ron I don't count SS into my future planning. But mostly because it's so far off I feel like making projections would be pointless. I know once someone is closer, you can start thinking about what income ...
by Engineer250
Tue May 29, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13220

Re: Renting vs Owning Your Home

Why would I not want to a) have an inflation-protected, cost-controlled asset as my largest monthly payment each month I think this is the biggest advantage assuming you can afford it. When I bought my home payment total was $2100 (I'm including taxes and insurance) and rent for a similar house in ...
by Engineer250
Tue May 29, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

I was reading a thread about German bonds for Italian investors and wondering to myself what in that scenario would stop a national bank run, and consequent hammering of the entire Eurozone. I have a feeling we’re going to see Treasury yields crumble from that flight to safety. I hope not. Yield on...
by Engineer250
Sat May 19, 2018 5:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Real Estate Isn’t Special
Replies: 49
Views: 7267

Re: Larry Swedroe: Real Estate Isn’t Special

Just curious why no one ever has a doubt on an asset class when it is up 10%? My advice to all is do NOT make any changes to one's asset allocation when the asset class is down. Rationalization is a POWERFUL defense mechanism when it seems comes to investing. It goes something like this... Asset cl...
by Engineer250
Thu May 17, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 10564

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Yep. Cheer up, eventually you can hit $24k/year! Frankly, we’ve never had the income to save significantly more. This is one of those threads where a popcorn-eating emoji would be useful. This will be the first year I can actually contribute the pre-tax max ($18.5k). I'm doing an additional 2% into...
by Engineer250
Fri May 04, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6427

Re: Pay $2500 in rent or continue living at home

Op, I think you seem asking for people's approval so you can stay with your aunt to save money. You ask a wrong forum since most of bogleheads here are already stable financially at 35, have their own independent lives and stable jobs. They don't travel the world and don't need to learn/speak 3 lan...
by Engineer250
Fri May 04, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 92
Views: 8699

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

dodecahedron wrote:
Fri May 04, 2018 7:56 am
Also, non-spouse heirs might be charities, who don't need to care about basis.
This. :sharebeer
by Engineer250
Wed May 02, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Real Estate Isn’t Special
Replies: 49
Views: 7267

Re: Larry Swedroe: Real Estate Isn’t Special

My 5% allocation to VNQ has been the one aspect of my AA I'm least confident in and go back and forth on somewhat often. And my feelings on it are not correlated with the current performance, just a general skepticism that low correlations are a good enough reason to own a sector (since most indivi...
by Engineer250
Wed May 02, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 2540

Re: 401k Stable Value Fund Rates?

Vanguard Retirement Savings trust. It’s at around 2% and its one year return was just under 2%. Looks like it invests in short term bonds so historically it had times of higher return. I only use it to park my mega backdoor money before my yearly withdrawal. I do use the G Fund in the TSP as well fo...
by Engineer250
Wed May 02, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Portfolio peepers: what do you do?
Replies: 48
Views: 3994

Re: Portfolio peepers: what do you do?

One reason is to look for TLH opportunities and/or rebalancing needs. I just update my allocation spreadsheet and when one allocation gets outside of my rebalance bands, I move some money from one pot to the other. I lived through 2008-2009 without doing anything drastic, so I'll do the same thing ...
by Engineer250
Wed Apr 04, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

Looks like another down day today! Unfortunately I had to make some significant buys this week and have to confess that the down cycle this week is probably all my fault. Sorry folks. After doing one last exchange today I’ll probably be good for awhile and we can resume the upward momentum that kee...
by Engineer250
Tue Apr 03, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

Engineer250 wrote:
Mon Apr 02, 2018 10:46 am
My 401k money goes in on Wednesday so I predict Mr. Market will be back up by then.
What did I say, market creeping back up again. This market is so boring, we will probably remake the rest of Monday’s losses before my mutual fund buys can go in Wednesday afternoon.
by Engineer250
Tue Apr 03, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: China Hustle Movie
Replies: 33
Views: 4164

Re: China Hustle Movie

I saw the documentary over the weekend and enjoyed it. My intuition tells me that this scam would have little impact on Vanguard index funds. I am not a player in EM. international small cap (VFSVX) - 3% China total international (VGSTX) - 6% China emerging market (VEIEX) - 33% China The director d...
by Engineer250
Mon Apr 02, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

While a 10% drop in the markets is called a correction.... It isn't a real correction until the CASH IS KING and BUY GOLD crowd start coming out of the woodwork! I think we are here folks. It will also be a noteworthy period when the "What are you up YTD?" and "FIRE" crowd starts to chatter with ne...
by Engineer250
Mon Apr 02, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

Didn't all these swings used to be normal? Love coming here so I can see intelligent people react to the market. The way the financial sites act you'd think 1 or 2% up or down was unprecedented.

My 401k money goes in on Wednesday so I predict Mr. Market will be back up by then.
by Engineer250
Mon Apr 02, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Why does it seem there are so many bad/poor 401K plans?
Replies: 36
Views: 3793

Re: Why does it seem there are so many bad/poor 401K plans?

I've mentioned on here before my Megacorp went from Schwab to Vanguard. As of now they have good domestic index funds and good target date funds, and expensive and actively managed international and bond funds. I decided I'd ask HR straight up and found out some third party financial firm picks the ...
by Engineer250
Tue Mar 27, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

My next paycheck investment money doesn’t go in until next week. So the market will be back up by then. It’s down today because I bought yesterday. Sorry.
by Engineer250
Fri Mar 23, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

Now, seriously, how are emerging markets and developed markets working out for your portfolio? As someone with a market weight of international and emerging and international small-cap, I've been wondering this same thing. But I keep forgetting to check. Didn't these 2% swings used to be no big dea...
by Engineer250
Fri Mar 23, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 14075

Re: Working till retirement is not a great plan

Here's my take: I work in an "old" tech industry. Most of the people running the company are in their 50's and 60's. I don't see a lot of age discrimination. Actually, we've never had layoffs, but they do occasionally fire people and none of the ones I can remember have been older guys. The people t...
by Engineer250
Wed Mar 07, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Why don't 401K managers fight on our behalf?
Replies: 28
Views: 4142

Re: Why don't 401K managers fight on our behalf?

The "401k manager" is usually somebody in the HR department. Have you ever spoken to this person? In my experience, it is assigned to a person as a collateral duty with few big-picture responsibilities regarding the plan. Most of their time is spent on completely unrelated work. When they do perfor...
by Engineer250
Fri Mar 02, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

My bonus money should have gone in this week but it didn’t. I think my employer is being lazy and will send it with my regular paycheck money next week. Therefore I feel confident the market will be back up by next Tuesday or Wednesday. Letting you all know so you can relax.
by Engineer250
Wed Feb 28, 2018 12:09 am
Forum: Investing - Theory, News & General
Topic: TSP fails secuity audit
Replies: 19
Views: 3086

Re: TSP fails secuity audit

I think the TSP for a worker is on par with with many 401k/403b/457 plans in terms of matching. In terms of range of investment options, it inferior. The G Fund is under review as you mentioned with a budget proposal to move it to the three or four week treasuries rate, ie, cutting the yield in hal...
by Engineer250
Thu Feb 22, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.60 [Money Market Rate To 1.60% APY]
Replies: 40
Views: 3321

Re: Capital One 360 Money Market now at 1.5%

deskjockey wrote:
Wed Feb 21, 2018 4:05 pm
I was just checking my account and discovered the interest rate has gone up.
Yay. Kept waiting for this as other rates were going up. Thanks for posting or I’d have probably missed it for a while.
by Engineer250
Mon Feb 19, 2018 3:29 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 7586

Re: Sell me on the benefits of an emergency fund

Everyone who states they don't have or don't need an emergency fund usually has a sizable amount of money in after-tax accounts. That's just the 1% that is the bogleheads. For the rest of us peasants, I'm just barely maxing out two Roth IRAs, one 401k, and putting a teeny bit into mega backdoor Roth...
by Engineer250
Fri Feb 09, 2018 2:38 am
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1230

Re: TSP - How to get better international coverage

You can wait until 2019 like stated above. If you don't have significant assets in your non-TSP accounts this is probably the way to go. Otherwise, if you have enough money in a Roth IRA, see the Bogleheads wiki on approximating total international: https://www.bogleheads.org/wiki/Approximating_tota...
by Engineer250
Fri Feb 09, 2018 2:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

Just saw this on CNBC. Ignoring the silly headline, the "why" of the drop is interesting and seems as good a theory as any. Until I find a better theory I like. :wink: https://www.cnbc.com/2018/02/08/cramer-this-market-is-like-a-similar-version-of-2008-crisis.html In 2017, a record year for the stoc...
by Engineer250
Fri Feb 09, 2018 2:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

No one rings a bell when the market turns like it did a couple of weeks ago. What I have done is mild rebalancing with very tight rebalancing bands since July 2013. I got my stock allocation from 69% down to 66% before this correction or whatever it is. Doesn't sound like much but I would have been...
by Engineer250
Fri Feb 09, 2018 1:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

on the bright side, i chose to pay off my car in full rather than dump 20K in January 1st, so that's cool. Yes, it makes my DW's and my decision to rapidly accelerate our mortgage schedule early seem a bit more attractive since that money would otherwise have gone into stocks. That makes you lucky,...
by Engineer250
Thu Feb 08, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

I'm deeply amused that folks on this thread seem to view this thread like the majority of folks view the stock market - paying too much attention to the noise. See these two posts and similar: I've learned a lot about many of the posters in this thread over the past couple of days. They are expert ...
by Engineer250
Wed Feb 07, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]
Replies: 54
Views: 5732

Re: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]

Perhaps. On the other hand, they'll live longer so their education will pay off longer. And while I, too, hate the annual period of holding my breath to see how much health care will go up, what you get has gone up too. Even in just the last generation, the ability of modern medicine to prevent, cu...
by Engineer250
Wed Feb 07, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

I'm deeply amused that folks on this thread seem to view this thread like the majority of folks view the stock market - paying too much attention to the noise. See these two posts and similar: I've learned a lot about many of the posters in this thread over the past couple of days. They are expert o...
by Engineer250
Mon Feb 05, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429382

Re: U.S. stocks in freefall

vanguard.com is down.... Yes it is....sigh...great timing. there's a market timing joke in here somewhere... Actually, I find all of these comments about buying today to be quite funny. The Boglehead philosophy says "don't time the market," yet many here are shoving far more into the market today t...