Search found 4938 matches

by TheTimeLord
Sun May 20, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Using the 3% SWR While Still Working
Replies: 9
Views: 1063

Re: Using the 3% SWR While Still Working

Gill wrote:
Sun May 20, 2018 11:36 am
TravelforFun wrote:
Sun May 20, 2018 11:34 am
Knowing we're not going to run out of money...
There are no guarantees...
Gill
Same goes for waking up tomorrow. Always a balance between having enough for a long life and having a life.
by TheTimeLord
Sun May 20, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Using the 3% SWR While Still Working
Replies: 9
Views: 1063

Re: Using the 3% SWR While Still Working

I reached my 33x annual expenses three years ago and promptly changed my work status from full to part time (3 days a week). House was paid for, we have no debts and no need to continue to maintain the same saving rate. My SS benefits will kick in four years from now when I'm 70. Then I came to the...
by TheTimeLord
Sun May 20, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 35
Views: 3671

Re: Has Firecalc or I-ORP altered your retirement plans?

Did utilizing a tool like I-ORP or Firecalc or your own homegrown spreadsheet influence or extend your retirement date. Personally, I have found the value of my human capital to be highlighted by running multiple scenarios with these planning tools. How has using tools like these effected your reti...
by TheTimeLord
Sun May 20, 2018 7:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3762

Re: Roll Call for the Retirement Class of 2019!

I think I will, probably, maybe retire January 2019. One more year would be great financially, but then I said that for the past two years so.... I need to get off of the one more year wagon. 1/5/19!! Assuming you already have enough to retire perhaps you should try not trying to save every penny b...
by TheTimeLord
Fri May 18, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 23
Views: 2985

Re: Should I have my new garage floor coated with Epoxy?

anoop wrote:
Fri May 18, 2018 9:17 am
ddurrett896 wrote:
Fri May 18, 2018 9:13 am
anoop wrote:
Thu May 17, 2018 11:08 pm
Why is it easier?
There is nothing to move out...
OK. In my case, the only things there are my car and a doormat.
You are an outlier. There are folks who can't fit their car in their garage for all the stuff.
by TheTimeLord
Fri May 18, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 2697

Re: Chase CS playing games w/me

I called Chase to make an extra principal payment of $5,000 yesterday towards my mortgage. I made it abundantly clear, by asking and stating numerous times that I would like the full $5,000 to go towards the PRINCIPAL. Today I double-check to make sure everything is good to go, and what do I see? I...
by TheTimeLord
Fri May 18, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6714

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

NAV doesn’t go down when interest rates go up as expected, it goes down when they go up more than expected. Just like how stocks are priced for future expectations not results as they come out. Why is that so hard to understand? Disclaimer: I’m 100/0. To estimate how a change in interest rates can ...
by TheTimeLord
Thu May 17, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6714

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Maybe I am naive but to me people seem to spend a lot of time and worry on edge cases on this forum. Seriously, for me it is hard to read it daily without becoming neurotic about money and savings.
by TheTimeLord
Thu May 17, 2018 8:22 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3762

Re: Roll Call for the Retirement Class of 2019!

...Honestly, I think I would prefer a 3-4 day work week to being a full time stay at home spouse. By calling yourself a SAH spouse in the near future, rather than a retiree, you seem to be implying that your spouse will continue to be employed through 2019. Is that correct? That's not a bad deal bu...
by TheTimeLord
Wed May 16, 2018 10:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3762

Re: Roll Call for the Retirement Class of 2019!

For those who are retiring soon, do you want: 1) a big retirement party, 2) a lunch with some close colleagues, or 3) to just ride off quietly into the sunset? Just curious. I think I'll do #3. TravelforFun 1) The big party I want is one with friends to one of my bucket list locations. 2) Lunch wit...
by TheTimeLord
Tue May 15, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6714

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Are you selling swaps in the event stocks underperform bonds over arbitrary 10-year periods? Bonds are there useful because stocks can and have previously gone through extremely brutal sustained drawdowns. I may be wrong but I don't believe VTSAX has undergone any 10 year segments where the price w...
by TheTimeLord
Tue May 15, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6714

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Are you selling swaps in the event stocks underperform bonds over arbitrary 10-year periods? Bonds are there useful because stocks can and have previously gone through extremely brutal sustained drawdowns. I may be wrong but I don't believe VTSAX has undergone any 10 year segments where the price w...
by TheTimeLord
Tue May 15, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 17
Views: 1370

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I think it's very important to combat this silent erosion of privacy and human dignity . I think you are being a touch dramatic. Personally, I don't think pop up ads which are easily blocked are any more an assault on my dignity than a broadcast TV ad or product placement in a TV show or movie. But...
by TheTimeLord
Sat May 12, 2018 8:14 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3762

Re: Roll Call for the Retirement Class of 2019!

...Honestly, I think I would prefer a 3-4 day work week to being a full time stay at home spouse. By calling yourself a SAH spouse in the near future, rather than a retiree, you seem to be implying that your spouse will continue to be employed through 2019. Is that correct? That's not a bad deal bu...
by TheTimeLord
Mon May 07, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7825

Re: Bucket List Adventures/Activities

I would enjoy hearing more about touring coastal Maine and lobster roll stands. I have been here... http://www.redseatsmaine.com/ Youtube: Red's Eats - Wiscasset, ME (Phantom Gourmet) Only problem is....then you drive up and down the coast 'trying' each spot at $25 a pop! But, well worth it IMO. :h...
by TheTimeLord
Sat May 05, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16027

Re:

Rob5TCP wrote:
Tue Mar 17, 2009 2:01 pm
Palladin (Have Gun Will Travel)
Gregory House (House)
Pembleton (Homocide - Life on the Streets)

Patty Hewes (Damages)
The 2 above plus Barney Stinson (How I met your Mother)
by TheTimeLord
Fri May 04, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7825

Re: Bucket List Adventures/Activities

1. Visit Bora Bora 2. African safari (check out Ngorongoro Crater) 3. See the Northern lights 4. Visit Kakslauttanen Arctic Resort (stay in an igloo) 5. Travel Southeast Asia (Bangkok, Singapore (check out Marina Bay Sands), Vietnam, Bali, etc.) 6. Visit the Galapagos Islands 7. Drive the Pacific C...
by TheTimeLord
Fri May 04, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7825

Re: Bucket List Adventures/Activities

These are all great bucket lists, but I am surprised at the lack of golf destinations on them. Most are very adventurous, kudos to everyone.
by TheTimeLord
Fri May 04, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6446

Re: Starting to smell like buying season?

What do you think? I dropped my equity allocation about 15% a couple months back by selling rallies. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. That said my plans tend t have some situational fluidity and are not carved in stone. I certainly hear th...
by TheTimeLord
Thu May 03, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6446

Re: Starting to smell like buying season?

I should point out I am probably within 18 months (or less) of pulling the plug so I am bottoming out my equity allocation before I begin what I plan to be a rising glide path. Makes no sense to me to risk the outsized gains since 2010 for no additional reward or utility, so I am sort of waiting fo...
by TheTimeLord
Thu May 03, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

Lots of the work vs. retirement conversation is pure silliness. Especially from you. Like the everyday is a Saturday mantra some people have. I was talking to my most successfully retired friend and relating how when I took a 1 year break from work I hated Saturday, the traffic and the crowds, real...
by TheTimeLord
Thu May 03, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6446

Re: Starting to smell like buying season?

What do you think? I dropped my equity allocation about 15% a couple months back by selling rallies. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. That said my plans tend t have some situational fluidity and are not carved in stone. I certainly hear th...
by TheTimeLord
Thu May 03, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6446

Re: Starting to smell like buying season?

midareff wrote:
Thu May 03, 2018 9:38 am
What do you think?
I dropped my equity allocation about 15% a couple months back by selling rallies. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. That said my plans tend t have some situational fluidity and are not carved in stone.
by TheTimeLord
Thu May 03, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7825

Re: Bucket List Adventures/Activities

mhc wrote:
Thu May 03, 2018 9:17 am
Two things my DW and I enjoy are visiting National Parks and State Capitol buildings. They are "soft" bucket list items.
Big fan of Yosemite and Yellowstone. Really want to see Glacier and the Utah Canyon lands.
by TheTimeLord
Thu May 03, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7825

Re: Bucket List Adventures/Activities

It's international travel for me TL and we have been at it hard for several years. We did a good bit of USA travel while we were waiting for my wife's US Citizenship and Passport but that is accomplished as of 11/17 and we are back on international. US wise we did Alaska sea and ground, Snake and C...
by TheTimeLord
Thu May 03, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7825

Bucket List Adventures/Activities

In reviewing my bucket list, it is woefully short imo and won't take more than a couple years to knock off, I was hoping the BH could help me out by letting me know what are some of their bucket list adventures/activities.
by TheTimeLord
Thu May 03, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

I wish I had a job that I could retire from at any time, and come back if I were tired in retirement. Unfortunately, retirement for me is a one-way ticket. Once I am on the bus, there is no turning back. For me, won the game means I am sure that I have enough money for the 4% rule for 45 years plus...
by TheTimeLord
Thu May 03, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15628

Re: Trinity Study updated to 2018

The past performance of a 50/50 AA looks pretty good. Not to me, it doesn't. Yes, it has the most 100%. But the dropoff in success is rapid as you to to higher WR or, more importantly, longer terms. That tells me that I am more susceptible to "unexpected expenses" for 50/50, as you would expect fro...
by TheTimeLord
Thu May 03, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

What is wrong with the stimulation you get from a job you enjoy. Nothing, except that jobs eat up a tremendous amount of time. So does sleeping in and cruising the internet all day. Ignoring the silliness of your reply, there is one major difference you are forgetting. The retiree can do whatever s...
by TheTimeLord
Wed May 02, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

Our string of replies Your point about some retirees descriptions of their life is well taken. It just seems that there is a belief among a subset of BH that retirement equates to boredom and lack of fulfillment. Just as most of us concede that work can be fullfilling enough that one may not want t...
by TheTimeLord
Wed May 02, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

Nothing, except that jobs eat up a tremendous amount of time. So does sleeping in and cruising the internet all day. Oh.My.God. There is this subset of BH that are convinced retirees spend their days watching cat videos, sleeping off their drunk from the night before and mowing their lawn every oth...
by TheTimeLord
Wed May 02, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

What is wrong with the stimulation you get from a job you enjoy. Nothing, except that jobs eat up a tremendous amount of time. So does sleeping in and cruising the internet all day. Oh.My.God. There is this subset of BH that are convinced retirees spend their days watching cat videos, sleeping off ...
by TheTimeLord
Wed May 02, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

Earl Lemongrab wrote:
Wed May 02, 2018 6:54 pm
indexonlyplease wrote:
Wed May 02, 2018 3:46 pm
What is wrong with the stimulation you get from a job you enjoy.
Nothing, except that jobs eat up a tremendous amount of time.
So does sleeping in and cruising the internet all day.
by TheTimeLord
Wed May 02, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15628

Re: Trinity Study updated to 2018

The past performance of a 50/50 AA looks pretty good.
by TheTimeLord
Tue May 01, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

Well it's like this. Never grab a hot pan out of a 400 degree oven unless you like to burn yourself. I'm sure there is some odd duck out there who enjoys 3rd degree burns. But the oddities aside I would NEVER suggest it. Was that enough to satisfy your curiosity? No. It seems very myopic to presume...
by TheTimeLord
Sun Apr 29, 2018 4:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3762

Re: Roll Call for the Retirement Class of 2019!

I plan on becoming a stay home spouse in 2019, but first I am going to try some modifications to my work schedule going into the 4th quarter of 2018. Still working on how to max out life. Thanks for the update TimeLord! "Still working on how to to max out life." - here's a nice read from Jonathan C...
by TheTimeLord
Tue Apr 24, 2018 10:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3762

Re: Roll Call for the Retirement Class of 2019!

I plan on becoming a stay home spouse in 2019, but first I am going to try some modifications to my work schedule going into the 4th quarter of 2018. Still working on how to max out life.
by TheTimeLord
Sat Apr 07, 2018 8:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 181
Views: 23512

Re: Roll Call for the Retirement Class of 2018!

So far I am very pleased with my decision. As with virtually everyone here, 2017 has been an extremely rewarding year financially which has provided a great deal of financial freedom, but I still plan to continue a while longer. I would be delighted if you were to check back at the beginning of Apr...
by TheTimeLord
Fri Dec 22, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 19866

Re: Bitcoin in Freefall

david wrote:
Fri Dec 22, 2017 10:50 am
Livesoft, is this an RBD for BTC? Alt-coins? I think we need an official ruling.
Livesoft will only respond if you call it Tulipcoin.
by TheTimeLord
Fri Dec 22, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 19866

Re: Bitcoin in Freefall

Keepcalm wrote:
Fri Dec 22, 2017 10:44 am
TheTimeLord wrote:
Fri Dec 22, 2017 10:44 am
Keepcalm wrote:
Fri Dec 22, 2017 10:41 am
I bought in at -35% it’s now back to -5%
Not according to Coinbase.
−15.89%
SINCE YESTERDAY (%)
GBTC
That makes sense, the premium on that was absurd.
by TheTimeLord
Fri Dec 22, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12471

Re: A meal with friends yields a financial revelation

I'm just wondering who all believes TheTimeLord actually has a "crystal clear" financial picture now? So, we will see no more threads about the latest bucket plan, or when to retire? Can we sticky this one somehow to reference for TiimeLord? :happy Let me apologize for what I perceived as attemptin...
by TheTimeLord
Fri Dec 22, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 19866

Re: Bitcoin in Freefall

Keepcalm wrote:
Fri Dec 22, 2017 10:41 am
I bought in at -35% it’s now back to -5%
Not according to Coinbase.
−15.89%
SINCE YESTERDAY (%)
by TheTimeLord
Fri Dec 22, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 19866

Re: Bitcoin in Freefall

It is interesting seeing the reaction here given this isn't an uncommon event in the world of Bitcoin. So I would guess if you want to own Bitcoin you need to be prepared for these types of events on a regular basis. https://www.forbes.com/sites/timothylee/2013/04/11/an-illustrated-history-of-bitcoi...
by TheTimeLord
Fri Dec 22, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12471

Re: A meal with friends yields a financial revelation

. . . . I have posted about what I consider the 3 levels of Financial Independence before and to me this is the embodiment of the third level, what I call abundance. Currently, I am not at that level but it is definitely achievable in a reason time frame. . . . Perhaps I missed this, but where can ...
by TheTimeLord
Fri Dec 22, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: Speculation
Replies: 16
Views: 1511

Re: Speculation

Investments and Speculation Speculation is a separate activity from making an investment. Investing involves the purchase of assets with the intent of holding them for the long-term, while speculation involves attempting to capitalize on market inefficiencies for short-term profit. Ownership is gen...
by TheTimeLord
Thu Dec 21, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Speculation
Replies: 16
Views: 1511

Re: Speculation

Whether bitcoin/gold/currency... are speculation or investing by one person or another's definition doesn't change one iota about whether you should or should not put your money into these things to try and get a profit. Word parsing doesn't change the risk profile. +100. To me this is really what ...
by TheTimeLord
Thu Dec 21, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity/NetBenefits vs. Vanguard vs. Schwab--Best Online 401k Account Management Website
Replies: 10
Views: 1281

Re: Fidelity/NetBenefits vs. Vanguard vs. Schwab--Best Online 401k Account Management Website

Personally I have had all 3 and prefer Fidelity. I don't know how a Fidelity office interacts with a company 401K, but they have been very helpful and have been useful in expediting the occasional form for me in regards to my Solo 401k.
by TheTimeLord
Thu Dec 21, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Any downside to rolling over IRA to Solo 401K?
Replies: 3
Views: 240

Any downside to rolling over IRA to Solo 401K?

For purposes of having the option of doing backdoor Roths in the future I am considering rolling over my IRA, in kind, into my Solo 401K. They are held at the same entity so I can rollover in kind and my investment options remain the same. Would there be any potential downsides to this rollover?
by TheTimeLord
Thu Dec 21, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12471

Re: A meal with friends yields a financial revelation

I have posted about what I consider the 3 levels of Financial Independence before and to me this is the embodiment of the third level, what I call abundance. I think there is a fourth level of financial independence that has a profoundly powerful effect on the world in which we live: 4) Keeping sco...