Search found 759 matches

by Engineer250
Tue Aug 22, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie to mutual funds, time to divest out of RE?
Replies: 4
Views: 331

Re: Newbie to mutual funds, time to divest out of RE?

tIRA can be rolled into TSP. TSP is excellent. https://www.bogleheads.org/wiki/Thrift_Savings_Plan C (S&P 500) and S (DJIA completion index, mostly mid and small cap) can be used in a 4 to 1 ratio to replicate total US stock market. TSP expense ratios are amongst the lowest and the G Fund is an amaz...
by Engineer250
Tue Aug 22, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Park money for house down payment in HCOL area
Replies: 5
Views: 555

Re: Park money for house down payment in HCOL area

I agree you should not invest the money. CDs and online savings accounts are fine. Something important to consider- in the 2007 financial crisis stocks and home prices both dropped. If such a thing occurs again you want your down payment money to stay flat so you can buy a home "on sale" and not hav...
by Engineer250
Tue Aug 22, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 1999

Re: Great Depression Videos on You Tube

I just watched that over the weekend. Also recommend Niall Ferguson's Ascent of Money (I think it is a 6 episode series) talks a lot about early developments for financial products we use today (and disabuses us of the notion all bonds are "safe"). Also PBS Inside the Meltdown is a really good docum...
by Engineer250
Mon Aug 21, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Paperwork
Replies: 8
Views: 643

Re: Vanguard Paperwork

For a brand new account that you aren't trying to roll in money, no physical paperwork. I might have had to check some boxes or something and did the whole deposit verification online, pretty easy.
by Engineer250
Sat Aug 19, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone roll their tIRA into the TSP?
Replies: 32
Views: 1465

Re: Anyone roll their tIRA into the TSP?

I think OP will probably be better off converting this small amount to a Roth IRA and paying the taxes. But for those who might be looking to do this a few tips (I rolled out a VG 401k to TSP a few years ago and will be rolling out my tIRA from VG to TSP probably next year): -Message or call VG and ...
by Engineer250
Sat Aug 19, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 152
Views: 12491

Re: Jobs that pay over $100,000

Judging by all the posts I see about people's kids on here, I'm tempted to think the kid of a Boglehead will be fine. I'm an engineer and only recently made over $100k in a HCOL, started around $65K in same high cost area. I'd say most engineers here break $100k in 5-10 years depending on your polit...
by Engineer250
Fri Aug 18, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3816
Views: 1000940

Re: U.S. stocks in freefall

Tamalak wrote:
Fri Aug 18, 2017 9:19 am
If I have a wallet with $100 in it, and someone steals $10 out of it, is it a real loss then, or when I open the wallet and take the money out?
Schrodinger's wallet. :twisted:
by Engineer250
Wed Aug 16, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 72
Views: 9108

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

I agree they should be following the index.

But I am a bit dismayed opposing genocide is "political" or something to do with being "politically correct" rather than basic human rights. :|
by Engineer250
Wed Aug 16, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 24
Views: 4474

Re: Market timing alert !!

I have to cash out 1/3rd of my portfolio to roll it over. I expect to do this in the next two weeks. So expect a significant correction before then, followed by a full recovery before my money goes back into the market a few weeks after that. There, I warned you all.
by Engineer250
Wed Aug 16, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review For A Late Starter
Replies: 16
Views: 1243

Re: Portfolio Review For A Late Starter

Vanguard also has the Prime Money Market account at a higher rate but the risks are not identical to the federal one. I concur with someone who suggested Ally or any other online savings. FDIC insured, rates are usually better than VG's money market with no risk, easy access to good CDs, probably a ...
by Engineer250
Wed Aug 16, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6323

Re: please help...am I overextended - first home

What about a bigger place is really going to change your life? I suggest you pick up some hobbies that will get you outside more. Back when I lived by myself I didn't really enjoy coming home either. Take up running, biking, hiking. I have a small house that during the whole of summer is completely...
by Engineer250
Tue Aug 15, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6323

Re: please help...am I overextended - first home

I have an amazing deal on my rent currently but it is so small that I don't look forward to coming home. The way it faces I get minimal sunlight so its really dark and its a small place. But I have an amazing deal, great location, so grateful for that. The place I saw has light and more space. I wo...
by Engineer250
Tue Aug 15, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs Approximate TSM in 401k
Replies: 9
Views: 859

Re: S&P 500 vs Approximate TSM in 401k

Also have a VG 401k. Does yours not offer a "brokerage option"? That should let you invest in any VG fund for a yearly fee. In my case, the cost savings I can get by picking VG funds (instead of whatever weirdness my employer thought was a great idea) is greater than the fee, so is worth it for me....
by Engineer250
Mon Aug 14, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 121
Views: 7369

Re: Bitcoin

Investing in Bitcoin to me seems closest to currency trading in a really small country that has no central bank, no military, no treaties with other countries, no citizens, no industry, no infrastructure, and no laws. If that appeals to you, by all means go ahead.
by Engineer250
Mon Aug 14, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs Approximate TSM in 401k
Replies: 9
Views: 859

Re: S&P 500 vs Approximate TSM in 401k

Also have a VG 401k. Does yours not offer a "brokerage option"? That should let you invest in any VG fund for a yearly fee. In my case, the cost savings I can get by picking VG funds (instead of whatever weirdness my employer thought was a great idea) is greater than the fee, so is worth it for me.
by Engineer250
Mon Aug 14, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Fed unloading bonds?
Replies: 17
Views: 2082

Re: Fed unloading bonds?

I'm not sure what's hard to understand from the article. It's pretty short and concise. Whether or not it's correct (and over what time frame) is unknown. But their takeaways are: When the Fed starts letting go of hundreds of billions of longer-term Treasuries, expect those yields to rise, in turn ...
by Engineer250
Mon Aug 14, 2017 12:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Performance Report
Replies: 9
Views: 1653

Re: Vanguard Performance Report

Vanguard must be headquartered in Lake Woebegone where everybody is above average. They are getting good competition even with Index funds, hard to believe the 95% numbers. But then again, I am above average as an investor. :wink: Smarter, better looking, more virtuous, etc. I always think of Lake ...
by Engineer250
Mon Aug 14, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Performance Report
Replies: 9
Views: 1653

Re: Vanguard Performance Report

Vanguard must be headquartered in Lake Woebegone where everybody is above average. They are getting good competition even with Index funds, hard to believe the 95% numbers. But then again, I am above average as an investor. :wink: Smarter, better looking, more virtuous, etc. I always think of Lake ...
by Engineer250
Mon Aug 14, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 6903

Re: Dave Ramsey spends two segments on his investing advice

His debt advice is rock solid for about 95% of Americans who have no clue how to use debt wisely. I have no idea why BH's on this forum criticize his aversion to debt. 95% out of 100 Americans have no business attempting to use debt to prosper. I agree too many Americans in general have a relaxed a...
by Engineer250
Mon Aug 14, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5107

Re: What a Low Return Outlook Means for Your Retirement?

I thought it was very well written and willing to dig into a bit of nuance instead of just tropes and cliches. I suspect a lot of pro-bond Bogleheads will like it since he discussed not just safe withdrawal rates but also the emotional component of holding bonds. Also, learned something new: The Ulc...
by Engineer250
Sun Aug 13, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2065
Replies: 6
Views: 1140

Re: Vanguard Target Retirement 2065

2065 has already popped into my Vanguard 401k! The thing I find interesting is 2065, 2060, 2055, 2050, and 2045 are all pretty near identical in current AA. I think VG advocates 10% bonds up until a certain point and all those funds are still at the same point in their glide path. Some believe that...
by Engineer250
Sun Aug 13, 2017 2:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2065
Replies: 6
Views: 1140

Re: Vanguard Target Retirement 2065

2065 has already popped into my Vanguard 401k!

The thing I find interesting is 2065, 2060, 2055, 2050, and 2045 are all pretty near identical in current AA. I think VG advocates 10% bonds up until a certain point and all those funds are still at the same point in their glide path.
by Engineer250
Sun Aug 13, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6986

Re: "Honesty like that is rare!"

I have noticed a similar attitude among some TSP investors. TSP stands for the Thrift Savings Plan, a Federal government equivalent of 401(k) plans. Unlike many 401(k) plans, the TSP offers very few funds at very low rates. Investors ignore low fees and excellent fund selection and complain about t...
by Engineer250
Sat Aug 12, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3816
Views: 1000940

Re: U.S. stocks in freefall

Not to belabor the obvious, but the lesson here amidst this new period of uncertainty and fear (even with only a minor market decline so far) is that those who confidently say that they have 80/90/100% of their portfolio in equities with no worries perhaps are not the best role models for the avera...
by Engineer250
Tue Aug 08, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for general help with strategy - not sure what to do about retirement options, and with prior savings
Replies: 6
Views: 592

Re: Looking for general help with strategy - not sure what to do about retirement options, and with prior savings

What's the point of the Target Date funds if the index funds have higher returns and lower costs? First off, I'm sure you know those average return numbers mean nothing in predicting the future. The target date funds have a percentage of bond funds in them and given the recent stock market run up t...
by Engineer250
Mon Aug 07, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for general help with strategy - not sure what to do about retirement options, and with prior savings
Replies: 6
Views: 592

Re: Looking for general help with strategy - not sure what to do about retirement options, and with prior savings

2) Should I do anything else specifically for retirement? I have the option of contributing to a 403b (Fidelity), or a 401k or 437 (both SavingsPlus). Given the pension is there a reason to contribute to a retirement account as opposed to putting more in an index fund? There’s no fund-matching I’m ...
by Engineer250
Mon Aug 07, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: More G fund later or more diversity now?
Replies: 7
Views: 598

Re: More G fund later or more diversity now?

Shouldn't you be able to roll your current 401(k) into your TSP when you leave your current company? My "goal" is to stay at my company for the rest of my career. So if I ever wanted to use G Fund as a part of my bond/non-equity allocation up until retirement age I won't be able to get new money in...
by Engineer250
Mon Aug 07, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: More G fund later or more diversity now?
Replies: 7
Views: 598

Re: More G fund later or more diversity now?

I have a trivial amount of taxable (not invested, just EF in Capital One) and am 95% equities so I don't need access to G Fund today. But I may never get another chance to roll more money into the TSP going forward so money available will either be $170k plus 30 years of earnings or $210k plus 30 ye...
by Engineer250
Mon Aug 07, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: More G fund later or more diversity now?
Replies: 7
Views: 598

More G fund later or more diversity now?

I recently left government employment. I rolled all my former 401ks into the TSP while I was working there. My new employer has Vanguard as their 401k provider (the fund choices aren't amazing but I will use the brokerage option to get access to all their funds). Last year I rolled out a defined con...
by Engineer250
Wed Aug 02, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 8217

Re: Greenspan: Look Out When Bonds Pop

With respect to Mr. Greenspan, there’s considerable opinion within the Federal Reserve these days that interest rates will be staying "lower than we’ve come to expect in the past.” There’s just too many global factors working against rising rates today, even with central banks around the world redu...
by Engineer250
Fri Jul 28, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5306

Re: GF Picking a college major

Telling someone - especially a young person with no real-world experience - to pursue what you love to do is not helpful at all, IMO . So you are saying life should be all about money. the truth is that both should be considerations. Yes it makes sense to go into things that can provide an acceptab...
by Engineer250
Fri Jul 28, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market — My, How You’ve Changed!
Replies: 52
Views: 5318

Re: U.S. Stock Market — My, How You’ve Changed!

I agree re our tendency to categorize-- however computers, and in particular the internet (a much later development for mass use), really is a game changer-- somewhere in the last 20 years we passed a "point of no return" on this technology. The best comparisons I can think of are electri...
by Engineer250
Thu Jul 27, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market — My, How You’ve Changed!
Replies: 52
Views: 5318

Re: U.S. Stock Market — My, How You’ve Changed!

Google Image search found me the context; I edited my post. You look at the Joshua Brown article and tell me what you think. It's a legitimate graphic if it's illustrating changes in how stocks are classified. It's not so legitimate if it is claiming to show changes in the stock market itself. I ag...
by Engineer250
Thu Jul 27, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17866

Re: How are folks handling the unprecedented rise in the market ?

I think it looks a little less scary when adjusted for inflation. But interestingly, the peak before 2009 looks "less obvious" as well. http://i.imgur.com/cx1LSvi.png Also, how "scary" it looks can be heavily influenced by what period you grab. I was looking at the run-up in the ...
by Engineer250
Thu Jul 27, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: CD Rates so much higher than bonds?
Replies: 14
Views: 2045

Re: CD Rates so much higher than bonds?

grok87 wrote:Another thing that has not been mentioned yet is state taxes. With cds you pay it with treasuries you don't.


I don't know much of anything about treasuries. Is this true if you own a treasury fund or do you have to own treasuries directly for this to be true?
by Engineer250
Thu Jul 27, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17866

Re: How are folks handling the unprecedented rise in the market ?

Does history repeat itself ? You don't need CAPE10 to figure this out. I want to see that chart but adjusted for inflation. I'm not saying inflation has had anything to do with the recent run-up, just that a non-inflation adjusted chart is gonna look a little weird. We should keep this thread going...
by Engineer250
Wed Jul 26, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11405

Re: What's your personal savings rate?

Always thought I saved a lot but looking in here is kind of shocking. On average it varies between 15-25% of gross. Most of that is in retirement accounts - roughly 50/50 Roth vs regular. I'm in my 50s and we have saved enough for retirement if we lived relatively frugally. What keeps us from savin...
by Engineer250
Wed Jul 26, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11405

Re: What's your personal savings rate?

When I figure in SS , Medicare, Fed , and State I still do not see a way to get to 33% unless that couple is way above $500K per year. Let's assume taxable income of ~300k for MFJ. Let's assume one spouse doesn't work so the FICA is only up to 127k. FICA would be even higher if both spouses worked....
by Engineer250
Wed Jul 26, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2391

Re: Do people really buy foreclosures unseen?

Bought during the downturn. Every house we looked at was a foreclosure or bank owned property. So most were empty. One of the homes was a short sale and the family was there as we went through on a weekend including a little girl. Felt pretty weird to be sizing up their house as that little girl was...
by Engineer250
Wed Jul 26, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 4175

Re: Time, not material goods, 'raises happiness'

chinto wrote:ethnic landscapers


what?
by Engineer250
Wed Jul 26, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Critique please: Guide for Newly Unemployed
Replies: 3
Views: 558

Re: Critique please: Guide for Newly Unemployed

If the kid is going into college this year (a couple months): Go talk to the financial aid office at the college. Financial aid would have been based off last year's taxes (or maybe even the year before for those of us who've been doing FAFSA a few years). In instances where your income suddenly dro...
by Engineer250
Tue Jul 25, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: A One World, Global Market for Stocks?
Replies: 13
Views: 1341

Re: A One World, Global Market for Stocks?

If, in the future, the US plays a diminished role internationally, won't this affect the global economy? From the graphic, it's clear that U.S. companies today are solidly ensconced at the very center of the global network of developed markets. But I would attribute this more to the strong innovati...
by Engineer250
Tue Jul 25, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Order of Operations (Retirement, Loans, Emergency Fund)
Replies: 25
Views: 1492

Re: Order of Operations (Retirement, Loans, Emergency Fund)

So do you have a specific situation that you are asking about? That is not really the purpose of the wiki. I didn't think where to prioritize emergency fund savings versus retirement savings was a specific situation. The wiki has a few helpful priority pages but none really draw all three together,...
by Engineer250
Tue Jul 25, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 190
Views: 31469

Re: Improving the TSP [for current participants]

For others asking for the ability to do Roth conversions, do any 401ks actually allow this? Megacorp added In-plan Roth Rollover a few years back. In-plan Roth Rollover or in-plan Roth Conversion? In-plan Roth Rollover would allow to roll in Roth money from Roth IRAs and other Roth 401(k) plans. In...
by Engineer250
Tue Jul 25, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Order of Operations (Retirement, Loans, Emergency Fund)
Replies: 25
Views: 1492

Re: Order of Operations (Retirement, Loans, Emergency Fund)

So do you have a specific situation that you are asking about? That is not really the purpose of the wiki. I didn't think where to prioritize emergency fund savings versus retirement savings was a specific situation. The wiki has a few helpful priority pages but none really draw all three together,...
by Engineer250
Tue Jul 25, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Order of Operations (Retirement, Loans, Emergency Fund)
Replies: 25
Views: 1492

Re: Order of Operations (Retirement, Loans, Emergency Fund)

Here's my thoughts based on your hypothetical (emergency fund less than 3 months, income below Roth maximum, $20k a year to save, student loan debt, etc.): 1. Get the 401k match. This is a 100% return, so that's priority number one. Unsure how much of the $20k available that impacts, but if you're ...
by Engineer250
Tue Jul 25, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Order of Operations (Retirement, Loans, Emergency Fund)
Replies: 25
Views: 1492

Re: Order of Operations (Retirement, Loans, Emergency Fund)

I definitely undervalued liquidity in my 20s. I was lucky and never had a set back but I realize I was taking a calculated risk. I am comfortable with debt as a tool but I realize it needs to be used prudently. YMMV Do you regret that? Would you have saved more if you did it all over again? When I ...
by Engineer250
Tue Jul 25, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11405

Re: What's your personal savings rate?

Are you married filing single or jointly? Married filing jointly with only one income this year but my spouse will return to work mid next year, so I'm anticipating a bigger tax bill. When looking at tax tables for MFJ at say $75K and a reasonable amount of deductions the effective rate is very low...
by Engineer250
Tue Jul 25, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10508

Re: % bogleheads of overall population

Us Gen Xers know we can't rely on pensions, SS is a roll of the dice, and then there is inflation... $1M aint' what it used to be. I'd like to hit $3M, but anything over $2M might entice me to leave the rat race. This stat doesn't surprise me at all. My inlaws were talking about winning the lottery...
by Engineer250
Mon Jul 24, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11405

Re: What's your personal savings rate?

smitcat wrote:Are you married filing single or jointly?


Married filing jointly with only one income this year but my spouse will return to work mid next year, so I'm anticipating a bigger tax bill.