Search found 57 matches
- Fri Apr 13, 2018 8:17 am
- Forum: Personal Finance (Not Investing)
- Topic: The "mechanics" of retiring
- Replies: 20
- Views: 3737
Re: The "mechanics" of retiring
Thanks for the suggested readings. I'll take a look at those. It seems to do 72t withdrawals and Roth conversations I will need to split my tIra into two accounts from what I've read and use one for each. I have never seen this suggestion. The IRS considers multiple Traditional IRA accounts as one ...
- Mon Apr 09, 2018 12:29 pm
- Forum: Investing - Theory, News & General
- Topic: Are we in bear territory?
- Replies: 49
- Views: 6088
Re: Are we in bear territory?
Gold might be trying to tell us all something or maybe its a nothing burger. Time will tell https://pbs.twimg.com/media/DaDPO6cW0AAjXYb.jpg:large Do people seriously actually get actionable information from that chart? Do these people have STEM background? I can see a blue line and a sort of amber ...
- Sun Apr 01, 2018 2:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: 4% SWR - planning for worst, hoping for better
- Replies: 37
- Views: 2143
Re: 4% SWR - planning for worst, hoping for better
Have you looked at Vanguard's white papers and blogs on dynamic withdrawal rates? Here's a link to one from Colleen Jaconetti: https://vanguardblog.com/2017/09/07/how-to-put-a-dynamic-retirement-spending-strategy-in-place/ The corresponding white paper: A more dynamic approach to spending for inves...
- Mon Mar 26, 2018 3:25 pm
- Forum: Investing - Theory, News & General
- Topic: Seasoned bogleheads repressing the thought of lower expected returns
- Replies: 178
- Views: 11864
Re: Seasoned bogleheads repressing the thought of lower expected returns
What's hard to figure out? The big run up from 1960-2000 was women, formerly stay-at-home-moms, entering the workforce in large numbers and the rise of the two-income family. The falloff after 2000 is people dropping out of the workforce. Have you done any quantitative analysis of this hypothesis? ...
- Tue Mar 20, 2018 7:33 am
- Forum: Personal Consumer Issues
- Topic: Amazon Prime Going Sideways/Weird Shipment Problems
- Replies: 66
- Views: 5434
Re: Amazon Prime Going Sideways/Weird Shipment Problems
I’ve been an Amazon Prime customer for over two years and, so far, it has been completely reliable.
- Mon Mar 05, 2018 11:08 am
- Forum: Personal Consumer Issues
- Topic: Etiquette of hanging up on live telemarketers
- Replies: 77
- Views: 3576
Re: Etiquette of hanging up on live telemarketers
I also hang up immediately. Since it minimizes the amount of wasted time for them, I don't think of it as rude at all.
- Tue Feb 13, 2018 7:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Number at which to stop worrying
- Replies: 170
- Views: 17682
- Mon Jan 29, 2018 8:30 am
- Forum: Personal Finance (Not Investing)
- Topic: Rule 72T: Just how does this work? Anyone do this?
- Replies: 5
- Views: 704
- Sun Jan 21, 2018 6:58 am
- Forum: Investing - Theory, News & General
- Topic: What's your U.S. : International ratio?
- Replies: 190
- Views: 34826
Re: What's your U.S. : International ratio?
I was just thinking the same thing. 60/40 (100/0 fixed)
- Thu Jan 18, 2018 6:53 am
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 363
- Views: 39183
Re: Year 2000 retirees using the '4% rule' - Where are they now?
While this forum is full of extremely wealthy people, the reality for most people is they don't "have a number" because retiring before they are eligible for their pension/Social Security/Medicare is simply impossible. So they are working to a fixed age virtually regardless of the size of their por...
- Mon Dec 25, 2017 9:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Will you donate less to Charity?
- Replies: 109
- Views: 8089
Re: Will you donate less to Charity?
by libralibra » Sun Dec 24, 2017 12:53 am By that argument, raising tax rates should increase charitable giving, right? But then people would just say they have less money so will give less! Both these arguments cannot be true. You're talking idealism. We're talking human nature. I'll wager any amo...
- Thu Oct 12, 2017 4:47 am
- Forum: Personal Consumer Issues
- Topic: Which Streaming Service/Live TV?
- Replies: 53
- Views: 7982
Re: Which Streaming Service/Live TV?
YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...
- Mon Oct 02, 2017 10:45 am
- Forum: Investing - Theory, News & General
- Topic: Current Bull Market could last years
- Replies: 89
- Views: 11075
Re: Current Bull Market could last years
I’m reminded of this 1997 Wired article The Long Boom: A History of the Future, 1980 - 2020 : But there's a new, very different meme, a radically optimistic meme: We are watching the beginnings of a global economic boom on a scale never experienced before. We have entered a period of sustained growt...
- Fri Sep 29, 2017 9:58 am
- Forum: Personal Consumer Issues
- Topic: Iphone X is $1000
- Replies: 385
- Views: 29665
Re: Iphone X is $1000
Sounds like you are quick to Anker.TomatoTomahto wrote: ↑Fri Sep 29, 2017 9:42 amGreat cable. I use a lot of Anker products, generally. Great USB wall plugs.
- Mon Sep 25, 2017 7:40 am
- Forum: Personal Consumer Issues
- Topic: Do you subscribe to digital newspapers?
- Replies: 95
- Views: 6495
Re: Do you subscribe to digital newspapers?
As someone who favors ebooks, I like the idea of digital newspapers (and magazines). There is one advantage of printed newspapers, however, that I didn’t appreciate until the digital versions appeared: no animated embedded ads. I’m not talking about ad pages that one can swipe past to get to more co...
- Mon Sep 18, 2017 1:03 pm
- Forum: Personal Consumer Issues
- Topic: Iphone X is $1000
- Replies: 385
- Views: 29665
- Sun Aug 27, 2017 1:14 pm
- Forum: Personal Consumer Issues
- Topic: Crashplan for Home ending service late 2018
- Replies: 117
- Views: 11805
Re: CrashPlan ends, what's next?
However... :shock: as the Backblaze files were restored... I happened to open one, and then another, and then another... and they were all... EMPTY. Backblaze insisted that was impossible. Had you perhaps run into this issue? Unzipping restores with the built in Windows unzip utility can cause empt...
- Tue Aug 22, 2017 7:41 am
- Forum: Personal Consumer Issues
- Topic: iPhone upgrade through Apple vs through carrier
- Replies: 19
- Views: 2211
Re: iPhone upgrade through Apple vs through carrier
Wife decided she's going to go to the Apple Store and see about getting her phone fixed. Current issues are: 1. Charging intermittently stops when plugged in. 2. Phone switches from vibrate back to ringer regardless of where the switch is set. If she can't get it fixed for a reasonable price she de...
- Mon Aug 21, 2017 3:11 pm
- Forum: Personal Consumer Issues
- Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
- Replies: 43
- Views: 6281
Re: "Forget Tough Passwords: New Guidelines Make It Simple"
What is the reason or logic behind requiring a password to be changed often? It seems to me that if a hacker is going to get into a password protected account they would have to do it once and it wouldn't make any difference whether the password had been in effect or two days or two years. And once...
- Sun Aug 20, 2017 9:19 pm
- Forum: Personal Consumer Issues
- Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
- Replies: 43
- Views: 6281
Re: "Forget Tough Passwords: New Guidelines Make It Simple"
Or just use a variant of the XKCD approach: https://xkcd.com/936/
- Sun Aug 20, 2017 8:34 am
- Forum: Investing - Theory, News & General
- Topic: Study: The Rate of Return on Everything, 1870-2015
- Replies: 107
- Views: 19251
Re: Study: The Rate of Return on Everything, 1870-2015
The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing. FWI...
- Thu Aug 10, 2017 3:57 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6393
- Views: 1372057
Re: U.S. stocks in freefall
Actually, if you want to know why the markets are down so much today, it is because I put a lot of money in yesterday. :annoyed It’s actually because I’m planning on making a lump sum investment of a windfall later next week. I apologize in advance, but the market is just going to have to go down b...
- Wed Aug 02, 2017 1:02 pm
- Forum: Investing - Theory, News & General
- Topic: Jack Bogle - Two Fund Portfolio
- Replies: 66
- Views: 14295
Re: Jack Bogle - Two Fund Portfolio
How many Bogleheads invest in the Jack Bogle Two Fund Portfolio? Seems to me that the folks seeking such level of simplicity would be much better off with a single LifeStrategy fund (pick the one you like based on your tolerance for volatility, and be done with it). This is the recommendation I mak...
- Fri Jul 14, 2017 8:57 am
- Forum: Investing - Theory, News & General
- Topic: % bogleheads of overall population
- Replies: 82
- Views: 12093
Re: % bogleheads of overall population
You might want to narrow that to English speakers; according to Wikipedia, that number is 983 million.inbox788 wrote: The denominator is easily estimated at 7.5B world population.
http://www.worldometers.info/world-population/
- Sat Jun 24, 2017 7:57 am
- Forum: Investing - Theory, News & General
- Topic: Amazon Buys Whole Foods
- Replies: 103
- Views: 14013
Re: Amazon Buys Whole Foods
Here is an interesting perspective: This is the key to understanding the purchase of Whole Foods: to the outside it may seem that Amazon is buying a retailer. The truth, though, is that Amazon is buying a customer — the first-and-best customer that will instantly bring its grocery efforts to scale. ...
- Wed Jun 07, 2017 6:44 am
- Forum: Investing - Help with Personal Investments
- Topic: What really happens in a bear market?
- Replies: 37
- Views: 5339
Re: What really happens in a bear market?
Why the scare quotes? A target retirement fund is a legitimate investment.ray333 wrote:People are scared of investing. It took forever to convince my girlfriend (making 6 figures and paid off student loans) to "invest" @ 32 ... with a target retirement fund
- Mon May 29, 2017 3:51 pm
- Forum: Investing - Help with Personal Investments
- Topic: 3-fund vs Vanguard 4-fund portfolio?
- Replies: 25
- Views: 4664
Re: 3-fund vs Vanguard 4-fund portfolio?
Any thoughts about the Vanguard 4-fund portfolio vs the traditional 3-fund portfolio? Any reasons NOT to go with the Vanguard 4-fund portfolio? need403bhelp: […] You can find my reasons for not including an international bond fund in the three fund portfolio. Use the link above, page 11, about 3/4 ...
- Tue Apr 25, 2017 2:40 pm
- Forum: Personal Consumer Issues
- Topic: Will cars be autonomous in three years?
- Replies: 225
- Views: 16159
Re: Will cars be autonomous in three years?
This brings to mind this cartoon from the New Yorker.
- Sun Apr 09, 2017 7:59 am
- Forum: Personal Finance (Not Investing)
- Topic: How does one determine their "number" and what exactly does it mean?
- Replies: 116
- Views: 12282
Re: How does one determine their "number" and what exactly does it mean?
What do people think of Fidelity's simplistic approach of "how many times your annual income to have saved" along one's path as a guide? [snip...] It seems to make sense as a nice guide, and the article talks about hypothetical adjustments (retiring earlier or later; spending more or spending less ...
- Sun Apr 09, 2017 7:36 am
- Forum: Personal Finance (Not Investing)
- Topic: How does one determine their "number" and what exactly does it mean?
- Replies: 116
- Views: 12282
Re: How does one determine their "number" and what exactly does it mean?
What do people think of Fidelity's simplistic approach of "how many times your annual income to have saved" along one's path as a guide? [snip...] It seems to make sense as a nice guide, and the article talks about hypothetical adjustments (retiring earlier or later; spending more or spending less ...
- Wed Mar 22, 2017 8:53 am
- Forum: Personal Consumer Issues
- Topic: Anybody using the TERMINAL over the GUI in ubuntu?
- Replies: 45
- Views: 3461
Re: Anybody using the TERMINAL over the GUI in ubuntu?
An old, very long essay by Neal Stephenson: In the Beginning Was the Command Line About twenty years ago Jobs and Wozniak, the founders of Apple, came up with the very strange idea of selling information processing machines for use in the home. The business took off, and its founders made a lot of m...
- Sun Mar 19, 2017 8:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: "Millionaire Next Door" Net Worth Formula
- Replies: 173
- Views: 22589
Re: "Millionaire Next Door" Net Worth Formula
This doesn't work well if you have a huge rise in income over a few years (for me it was 4x). Agreed. I started out making peanuts right out of college for 5+ years, and thanks to a couple of job changes in my late 20s, my income tripled in just a couple years. Instead of the most recent income, I ...
- Fri Mar 17, 2017 1:27 pm
- Forum: Personal Consumer Issues
- Topic: Autonomous Vehicles and Drone Deliveries
- Replies: 31
- Views: 2963
Re: Autonomous Vehicles and Drone Deliveries
I dread the advent of ubiquitous drones because of how noisy they are.
- Thu Feb 09, 2017 7:05 am
- Forum: Investing - Theory, News & General
- Topic: How steep should the glide path be?
- Replies: 54
- Views: 4912
Re: How steep should the glide path be?
My glide path is variable and doesn't depend on age at all. I know I'm on pace to retire much earlier than normal because of my income vs expenses. I also don't want to have to work longer than I need to. So what do I do? Figure out how much I need for retirement based on my expenses. Lets say I de...
- Tue Jan 24, 2017 6:15 pm
- Forum: Personal Consumer Issues
- Topic: Editing shortcut emacs-like keys. Do u use them?
- Replies: 34
- Views: 2833
Re: Editing shortcut emacs-like keys. Do u use them?
I'll confess a certain fondness for E ight M egabytes A nd C onstantly S wapping, but ed is the standard editor . I had not seen that one before. Thanks. For others who don't get the joke, see Paging . My favorite is Escape Meta Alt Control Shift. (I basically spent my working life in Emacs from 19...
- Wed Jan 11, 2017 4:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best Financial Moves You've Made
- Replies: 158
- Views: 22727
Re: Best Financial Moves You've Made
About a year after I entered the "real world," something put the fear of being old and poor in me. I started contributing as much as I could to the 401(k) I had through my employer, and continued that until I lost my job in 2010. For some reason, I didn't pay much attention to the 401(k) statements...
- Sun Jan 01, 2017 7:10 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
- Replies: 711
- Views: 36773
- Fri Dec 09, 2016 1:54 pm
- Forum: Investing - Theory, News & General
- Topic: Explain why Rebalancing isn't Market Timing?
- Replies: 241
- Views: 11987
Re: Explain why Rebalancing isn't Market Timing?
Not so simple. I change my AA on a monthly basis but I am not a market-timer. (I track a target-date fund.)HomerJ wrote:This. It's really this simple. Market-timers CHANGE their AA. Rebalancers MAINTAIN their AA.
(Edited to correct the attribution.)
- Sun Dec 04, 2016 11:08 pm
- Forum: Investing - Help with Personal Investments
- Topic: Nearing early retirement, how to adjust planned withdrawal rate if market corrects
- Replies: 44
- Views: 4142
Re: Nearing early retirement, how to adjust planned withdrawal rate if market corrects
Mike, Thanks for the thoughtful response. Seems like we do have similar approaches. I do sometimes feel I am layering on caution, on top of safety, on top of being conservative sometimes. I am planning for 3% instead of 4%, plan on using G&K, and not counting SS in my plan. Admittedly, a bit too co...
- Sat Dec 03, 2016 6:46 am
- Forum: Investing - Theory, News & General
- Topic: What percentage of international do you hold?
- Replies: 127
- Views: 9045
Re: What percentage of international do you hold?
Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool " consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks." Springman: Can you provide a link to Vanguard's latest rec...
- Tue Oct 18, 2016 8:09 am
- Forum: Personal Consumer Issues
- Topic: What iPhone podcast application do you use?
- Replies: 40
- Views: 3379
- Thu Aug 04, 2016 12:18 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard - is touch ID less secure?
- Replies: 12
- Views: 1245
Re: Vanguard - is touch ID less secure?
The Vanguard app doesn't allow me to paste in my password (which is a nice long random sequence) so I never use it.
- Wed Jun 08, 2016 7:37 am
- Forum: Investing - Theory, News & General
- Topic: What are your friends saying about you?
- Replies: 127
- Views: 14466
Re: What are your friends saying about you?
I try to follow the same approach. In a news article I heard this referred to as "stealthy wealthy." This is actually a very important question! (I've thought about this a lot) I try super hard not to become a target. Keep a very low profile. Do not be flashy in any way (no corvettes). Blend in. I d...
- Sat Jan 02, 2016 8:15 am
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
- Replies: 667
- Views: 39631
- Fri Dec 04, 2015 9:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Rent vs Buy: A different look?
- Replies: 20
- Views: 5062
Re: Rent vs Buy: A different look?
From an interesting article I ran across earlier today: Put more simply: More renters should be buying homes. It would be the cheaper option for a lot of them. Except for in the cities where housing prices are simply soaring (New York, San Francisco, and Washington, D.C., to name three), more renter...
- Mon Nov 23, 2015 6:46 am
- Forum: Investing - Theory, News & General
- Topic: 70 is the New 65
- Replies: 106
- Views: 15730
Re: 70 is the New 65
Some historical data: Life Expectancy by Age, 1850–2011
- Sun Aug 30, 2015 7:52 am
- Forum: Personal Consumer Issues
- Topic: Will you buy an Apple Watch?
- Replies: 456
- Views: 56540
Re: Will you buy an Apple Watch?
I still can't find another watchmaker, that sold as many watches in its first 3-4 months of selling its very first product. ... What exactly does this show other than the Apple brand is amazingly strong? Do you know a single person who did not already have several Apple products who is even the lea...
- Sat Aug 29, 2015 6:00 pm
- Forum: Personal Consumer Issues
- Topic: Will you buy an Apple Watch?
- Replies: 456
- Views: 56540
Re: Will you buy an Apple Watch?
How does an Apple Watch owner know it's 12:00 noon? The battery needs recharging. That certainly hasn't been my experience. My Apple Watch typically has about a 30% charge when I put it on the charger and go to bed. (That's with a ~1 hour long workout; workouts consume more power since the HR senso...
- Sat Aug 29, 2015 8:08 am
- Forum: Personal Consumer Issues
- Topic: Will you buy an Apple Watch?
- Replies: 456
- Views: 56540
Re: Will you buy an Apple Watch?
Now, fast forward to the present. Again the watch cannot show the time constantly since doing so would use too much battery. I don't want to be in a meeting and raise my wrist to see the time. I just want to glance at my wrist. It's not as unobtrusive as a glance, but you can tap the watch face to ...
- Tue Aug 11, 2015 7:08 am
- Forum: Personal Consumer Issues
- Topic: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
- Replies: 55
- Views: 7243
Re: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
In terms of getting realtime feedback on your driving, you might want to consider Automatic.
mac_guy wrote:That very well may be true. Any advice on how to drive more fuel efficiently?LAlearning wrote:My guess is your driving is to blame.