Search found 492 matches

by aj76er
Fri Apr 20, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 5418

Re: Anyone invest in I Bonds and why?

For those of you who use I-bonds as part of your fixed-income allocation. How do you manage them within the portfolio? I see several options: 1. Let them float as a percentage of portfolio. Do you just hold to maturity here? If not, how do you know when to sell? 2. Set an upper max percentage of por...
by aj76er
Wed Apr 18, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 6839

Re: Your Monthly Cost of Living

1. Housing: rent/mortgage/utilities - $150 (HOA) + $50 (elec.) + $50 (home internet) + $30 (mobile) = $280 2. Transportation: car, insurance, license, registration, gas, maintenance = $50 (fuel) + $50 (planned maintenance) = $100 3. Food: groceries, restaurants = $300 (groceries) + $150 (dining out)...
by aj76er
Tue Apr 17, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Using Stock/Bond Market Total Valuations to Guide Portfolio Allocations
Replies: 9
Views: 1014

Re: Using Stock/Bond Market Total Valuations to Guide Portfolio Allocations

You may be interested in the World Bond/Stock Portfolio proposed by William Sharpe. https://www.bogleheads.org/wiki/World_Bond/Stock_Portfolio https://www.bogleheads.org/forum/viewtopic.php?t=207804 Has anyone created a ETF or mutual fund based on this portfolio? Not that I'm aware of. There used t...
by aj76er
Tue Apr 17, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8091

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

If you don't care about leaving a large inheritance, then your are good to go. I think 2.8% has been the historical PWR (perpetual withdrawal rate), that maintains real inflation-adjusted principle. I would probably lean a bit more towards equities (no less than 60/40), but probably won't make a big...
by aj76er
Sun Apr 15, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Using Stock/Bond Market Total Valuations to Guide Portfolio Allocations
Replies: 9
Views: 1014

Re: Using Stock/Bond Market Total Valuations to Guide Portfolio Allocations

It would probably make sense to exclude specialty bonds - e.g. municiple, TIPs, junk, etc...

You may be interested in the World Bond/Stock Portfolio proposed by William Sharpe.

https://www.bogleheads.org/wiki/World_B ... _Portfolio
viewtopic.php?t=207804
by aj76er
Sun Apr 15, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 69
Views: 5239

Re: The World in 2050 — GDP & Stock Market Capitalization

So you assume today's growth rates for emerging markets will persist (on average) for the next 30yrs? I think there are a lot of things that can derail a high growth rate as emerging economies "mature". Also, I'm not convinced that demographics will correlate so positively to GDP growth rates in the...
by aj76er
Fri Apr 13, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 2616

Re: Aren't we betting a bit too heavily on US stocks and bonds?

You might be interested in Bill Sharpe's World Bond Stock Portfolio. If you type that in the search or (Bill Sharpe WBS), you will find some threads about it.

Here is an ongoing Wiki page about the portfolio:

https://www.bogleheads.org/wiki/World_B ... _Portfolio
by aj76er
Wed Apr 11, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4408

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

John151 wrote:
Wed Apr 11, 2018 5:28 pm
On an investment of $10,000, changes in fixed rates and inflation rates are pretty negligible, so I buy the maximum in January and then forget about it.
+1
by aj76er
Wed Apr 11, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market ETF???
Replies: 2
Views: 253

Re: Money Market ETF???

SHV might be another option.
by aj76er
Mon Apr 09, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4420

Re: Handling ageism in tech

When I turned 38, I decided to ramp up my savings rate dramatically with the goal of being at a relatively comfortable FI state by age 45. I just turned 42, and my savings rate is in the range of 60% (of gross salary). Getting into management is a viable option for those who can do it, but as others...
by aj76er
Sun Apr 08, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11426

Re: What is your AA, given your age? and, Why?

Age: 42 AA w/o emergency fund: 72/28 Stock/Bond AA w/ emergency fund: 67/33 Stock/Bond My preference is AGE-15 (although my emergency fund puts me closer to AGE-10). I maintain a large emergency fund because my job is in a niche technology field and I've never had much job security (and not confiden...
by aj76er
Thu Apr 05, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5884

Re: Bill Bernstein, new podcast

How exactly are t-bills a risky asset long-term, when they historically have kept up with inflation? His first statement was the more correct one; they're close to a risk free asset, and I would add for any length of time. I haven't had a chance to listen to the podcast yet though. Maybe there's a ...
by aj76er
Mon Apr 02, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10130

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Do a Google search for "Investing in the World - Part 1" and "Investing in the World - Parts 1 & 2". Both are posts written by forum member Saimond, and show the effects of investing internationally from the perspective of various developed countries. Irrespective of time and space, holding a 50/50 ...
by aj76er
Fri Mar 30, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Hotel Fund Investment Oppurtunity
Replies: 9
Views: 666

Re: Hotel Fund Investment Oppurtunity

This forum is mostly focused on index fund investments. You may try asking on a site like biggerpockets.com
by aj76er
Fri Mar 30, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9045

Re: How Do You Value Your Home for Net Worth Purposes?

I get a monthly email from Zillow on my home value. For NW inclusion, I take the Zillow quoted home value and multiply by 95% to account for selling fees. The NW calculation I do is more if a curiosity. It's not very actionable, but helps me see my financial picture a little better. For example, if ...
by aj76er
Thu Mar 29, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Floating Rate Note-Has its Time Arrived?
Replies: 32
Views: 2154

Re: Treasury Floating Rate Note-Has it's Time Arrived?

Why not just hold t-bills and set them to auto-roll?
by aj76er
Thu Mar 29, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2780

Re: How many are using Automatic contributions?

At Fidelity, you can have payroll deposit directly to brokerage, as all their accounts have routing numbers available. Not sure about Vanguard. For many years, I did full automated monthly purchases from my checking account. I really prefer that method because it keeps me from over thinking things. ...
by aj76er
Mon Mar 26, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 246
Views: 26849

Re: Case study Broker trade executions

^Right, a marketable limit order is NOT: An offer to buy at the current best bid or less. An offer to sell at the current best ask or more. So, when trading at Fidelity using the normal trading ticket, all I see is the current "ask" and current "bid" prices. If I set a limit order to buy at the "as...
by aj76er
Thu Mar 22, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: How much do people budget for annual car maintenance?
Replies: 39
Views: 2198

Re: How much do people budget for annual car maintenance?

I own a 2014 Prius with about 50,000 miles and I budget ~$600/year.
by aj76er
Thu Mar 22, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21778

Re: Anyone Deleting Facebook?

Very recently I found that many FI (financial independence) forums are on FB and I've actually started using it again (if only to read/post on those) :). Also, music is a big hobby of mine, and there are some music forums hosted on there that I follow (and use it to get notified of local concerts f...
by aj76er
Thu Mar 22, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378612

Re: U.S. stocks in freefall

cfs wrote:
Thu Mar 22, 2018 2:10 pm
So, what excuses do we have for the latest down market? Gracias por leer ~cfs~
From what I can tell, it is all due to potential trade wars and Facebook.
by aj76er
Thu Mar 22, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21778

Re: Anyone Deleting Facebook?

I stopped using it years ago. Very recently I found that many FI (financial independence) forums are on FB and I've actually started using it again (if only to read/post on those) :). Also, music is a big hobby of mine, and there are some music forums hosted on there that I follow (and use it to get...
by aj76er
Wed Mar 21, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 18214

Re: Is it time to dump high yield savings for prime money market?

Not as convenient, but I'm thinking of rolling my Ally No-Penalty CDs into 3mo. T-bills.
Auction is next week, I think.
by aj76er
Tue Mar 20, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Impending market correction
Replies: 28
Views: 1760

Re: Impending market correction

If you hold international equities, then they are more reasonably valued. So look at the combined P/E of your stock portion (US + Intl). If international stocks do well, the US will be along for the ride, most likely.
by aj76er
Tue Mar 20, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18774

Re: Those with high savings rate: why?

Since I work in tech, and there is clear ageism. If you're 55+ - I'm sorry. And that isn't as far away as it used to be. I hope to be proven wrong, but that's what worries me. To be clear, I'm not living like a pauper, as my savings rate is not absurdly high (30%), but if I knew I could count on le...
by aj76er
Sun Mar 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep track of Roth cost basis?
Replies: 13
Views: 1900

Re: How to keep track of Roth cost basis?

^^^ Note my question only applies if withdrawing prior to 59.5
by aj76er
Sun Mar 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep track of Roth cost basis?
Replies: 13
Views: 1900

Re: How to keep track of Roth cost basis?

Out of curiosity, what is the procedure for taking money out of the Roth? Do you have to provide supporting cost-basis information then? Or only if audited?
by aj76er
Thu Mar 15, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4074

Re: simplifying my financial life -- should i get rid of treasury direct?

Last year, I consolidated down to one brokerage, two online banks, and Treasury Direct. What do you do if you, say, sell a car and need to deposit cash? I'm not crazy about Treasury Direct website, and do worry about phase out of I-bonds, but I think they are really good investments in this environ...
by aj76er
Thu Mar 15, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4074

Re: simplifying my financial life -- should i get rid of treasury direct?

Last year, I consolidated down to one brokerage, two online banks, and Treasury Direct. I'm not crazy about Treasury Direct website, and do worry about phase out of I-bonds, but I think they are really good investments in this environment (e.g. rising rates, rising inflation). I also like the additi...
by aj76er
Tue Mar 13, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6702

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I dislike cloud-based online versions of tax software in general and refuse to use them for any product, but efiling online from a downloaded product has been fine. Why do you dislike cloud-based versions? 1) Cloud-based versions that I have seen do not allow easy switching between forms-based entr...
by aj76er
Tue Mar 13, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6702

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I dislike cloud-based online versions of tax software in general and refuse to use them for any product, but efiling online from a downloaded product has been fine. Why do you dislike cloud-based versions? I used HRB this year and it was the first time I self-prepared and filed in many, many years....
by aj76er
Mon Mar 12, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you've passed your "number"
Replies: 41
Views: 3542

Re: Asset Allocation once you've passed your "number"

While still working, I think that having an age based rule is a good idea. If at your number, then perhaps just go with age in bonds, which is considered conservative these days. Once retired, following a glide path must be done with care, since you don't want to harvest too much from equities. In f...
by aj76er
Sun Mar 11, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18801

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

probably a long shot at this point, but please add me to the waitlist.
Thanks!
by aj76er
Sat Mar 10, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 124
Views: 11905

Re: Why International again?

I don't see the need for investing in companies that aren't headquartered in Minnesota and surrounding states. The Mairs and Power Growth fund does this and has outperformed the S&P 500 for decades. Minnesota companies sell products and earn profits not only to the entire the rest of the US, but to...
by aj76er
Fri Mar 09, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9105

Re: Can I take an 85+% pay cut for fun?

Sounds a little like mid-life crisis. I always advise against dealing with an emotional crisis by making huge life changing decisions that affect not only your self, but spouses and young children. Also, kids, their college education, and helping them get started as adults can be very expensive. %5...
by aj76er
Fri Mar 09, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9105

Re: Can I take an 85+% pay cut for fun?

I can relate to the feelings expressed by the OP. I'm a 41 yr old software engineer and struggle with burnout. At 38 I set a goal to early retire at 45. Over the past few years, I've worked very hard to reduce my budget, and I'm proud to say that I've trimmed by about 33%. I think you could easily g...
by aj76er
Mon Mar 05, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 17843

Re: Is Cash Trash? The Purpose of Cash

I think if one has a propensity for holding a large percentage of cash (for psychological reasons, etc..), then one can compensate by increasing the duration of their bonds. For example, the two portfolios will behave similarly: 65/35 - stocks/intermediate bonds 65/20/10/5 - stocks/intermediate bond...
by aj76er
Sun Mar 04, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: 43 yr old reassessing portfolio/plan after being on auto-pilot
Replies: 18
Views: 2106

Re: 43 yr old reassessing portfolio/plan after being on auto-pilot

I am debt averse, so I would attack the student loans and auto loan. I'd probably start by funding her HSA and 401k up to employer match, and then throw everything else at the loans. Once those are paid off, max out the 401k and Roth, and then start funding a taxable with anything left over.
by aj76er
Fri Mar 02, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2573

Re: Google Pixel 2 Users-Experience So Far?

I have the Pixel 2 (non-XL), and it has been a good phone (owned for a few months). I came from a Nexus 5X that had the bootloop issue (owned for just over 1.5yrs) and wasnt' very happy about that. So far, battery life, screen clarity, and responsiveness have all been fine on the Pixel 2. I would pr...
by aj76er
Fri Mar 02, 2018 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VXUS) is an inferior choice?
Replies: 10
Views: 2409

Re: Vanguard Total International (VXUS) is an inferior choice?

Another advantage of splitting would be if you wanted to put VEA in taxable and VWO in tax-advantage accounts, which would minimize non-qualified dividends while still allowing you to capture the foreign tax credit. But if all in taxable, I tend to lean towards more consolidation as re-balancing in ...
by aj76er
Thu Mar 01, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 95
Views: 12307

Re: What is total return vs. dividend investing?

The funny thing about all of this to me, is that if you use the 4% inflation adjusted withdrawal, eventually you are only spending the dividends. for the 75/25 portfolio the 2016 withdrawal was 1.99% which is very close to the actual income of the portfolio, this is during a time with two very bad ...
by aj76er
Thu Mar 01, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Interesting Article on ETF Security Lending
Replies: 6
Views: 569

Interesting Article on ETF Security Lending

http://www.etf.com/sections/features-and-news/securities-lending-good-etf-investors?utm_source=newsletter&utm_medium=email&utm_campaign=weeklynewsletter On the first page, there's a graphic that shows various ETF providers and the % of SL revenue returned to the funds. Of note, Vanguard and Fidelit...
by aj76er
Tue Feb 27, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Dislikes Bonds
Replies: 57
Views: 6771

Re: Warren Buffett Dislikes Bonds

From the get go, you ask yourself, I believe that A is true. But at what point is A no longer true? It takes out all of the emotional baggage and heels in the sand stubbornness that people's emotions are prone by forcing them to figure out at the outset, "at exactly what point am I wrong?" In my op...
by aj76er
Thu Feb 22, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 26
Views: 1926

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

jacoavlu wrote:
Thu Feb 22, 2018 1:32 pm
you can buy T bills easily and directly from Treasury Direct. No fees or markups. That's where I buy mine personally, and also for our corporation.
Can you auto-roll Tbills at Treasury Direct?
by aj76er
Thu Feb 22, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 26
Views: 1926

3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

At the beginning of the year, I rolled my Ally no penalty CDs to the new 1.75% rate. It appears that now the 3month Tbill is yielding 1.66% (based on Fidelity info). My state income tax is ~9%, which means the effective yield on a 3month Tbill is (1.66/0.91 =) 1.82%. That is, I'd have to earn 1.82% ...
by aj76er
Wed Feb 21, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378612

Re: U.S. stocks in freefall

Question If the market has a correction say 10% and you rebalance back to your AA. Is that like using dry powder because you just bought stocks funds at a lower price?? And if you did not rebalance your AA would get back to normal one day. In the short term, re-balancing in a choppy market will gen...
by aj76er
Tue Feb 20, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6303

Re: Expat Living

I'm still working, but a few years ago did some serious research into moving to Costa Rica. International Living (the magazine) sponsors living abroad seminars, which you may want to look into. In our case, I saw the seminar for Costa Rica, but found a free two day seminar that was held monthly in ...
by aj76er
Sun Feb 18, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction 2/15: 1.0% yield?
Replies: 172
Views: 15374

Re: 30 yr tips auction 2/15: 1.0% yield?

I-bonds could theoretically be used as well. However, they are not nearly as good a deal as 30yr TIPs. But they have principal stability and liquidity after 1 year.
by aj76er
Sun Feb 18, 2018 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 26
Views: 2566

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

Google FI seems like a good option. It uses google voice "under the hood" and the base plan is only $20 (and data usage is the same cost no matter where you are even internationally). In fact, I can have Google Hangouts in a tab on my computer on WIFI and have the exact same functionality as my phon...
by aj76er
Sat Feb 17, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 17700

Re: Number at which to stop worrying

As I get older, I start to worry that I won't get to enjoy my hard-earned savings. I have no kids or spouse so there are no legacy motives. One must balance the "worry about running out of money" with "worry about running out of time". I don't think folks think enough about the latter.